Do you think you bought high-priced car insurance? You’re preaching to the choir because you’re not the only one. Big-name insurance companies like GEICO and Progressive all claim big savings with ad campaigns and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.
If you are insured now or are looking for a new policy, you can use this information to cut your premiums and still get good coverage. Finding the best rates in Fairfield is not rocket science. Iowa drivers just need to know the most effective way to buy car insurance online.
Do you qualify for discount car insurance?
Companies don’t always list every available discount in a way that’s easy to find, so here is a list some of the best known and also the more inconspicuous credits available to bring down your rates.
- Defensive Driver – Passing a class that teaches defensive driver techniques could cut 5% off your bill and easily recoup the cost of the course.
- Auto/Home Discount – When you combine your auto and homeowners insurance with one insurance company they may give you a discount of 10% to 20% off each policy.
- Service Members Pay Less – Being on active deployment in the military could be rewarded with lower prices.
- Distant Student – Any of your kids who are enrolled in higher education away from home and don’t have a car could get you a discount.
- Multi-car Discount – Purchasing coverage when you have multiple cars on the same car insurance policy can reduce rates for all insured vehicles.
- Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
- Fairfield Homeowners Pay Less – Owning your own home or condo can save you money due to the fact that maintaining a home means you have a higher level of financial diligence.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a .
- Discount for Swiching Early – A few larger companies allow discounts for switching policies prior to the expiration date on your current policy. You could save around 10% when you .
- Student Discount for Driver Training – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will help reduce the amount you pay for coverage.
A few companies who might offer these money-saving discounts are:
If you are trying to find , ask all the companies what discounts are available to you. Some discounts listed above might not be available to policyholders in Fairfield. If you would like to view providers that offer discounts in Fairfield, follow this link.
Don’t assume everyone needs the same car insurance coverage
When choosing the right insurance coverage, there is no perfect coverage plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Does my vehicle need full coverage?
- Do I have any recourse if my insurance company denies a claim?
- Should I drop comprehensive coverage on older vehicles?
- Am I covered by my spouse’s policy after a separation?
- Do I need to file an SR-22 for a DUI in Iowa?
- When would I need additional glass coverage?
- Am I covered when driving on a suspended license?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
Car insurance quotes from local neighborhood Fairfield car insurance agents
A small number of people still prefer to sit down with an agent and that is OK! Licensed agents can make sure you are properly covered and help in the event of a claim. The best thing about comparing rate quotes online is the fact that you can find cheaper auto insurance rates and still buy from a local agent. And supporting local insurance agencies is definitely important in Fairfield.
By using this short form, the coverage information is transmitted to participating agents in Fairfield that can give you and help you find cheaper coverage. You won’t even need to contact an agency because quoted prices will be sent straight to your inbox. If you have a need to compare rates for a specific company, you just need to find their quoting web page to submit a rate quote request.
To find a licensed agent near you, link to this list of Fairfield car insurance providers.
Selecting an company requires more thought than just a cheap price quote. Any agent should have no problem answering these questions:
- Do they get extra compensation for selling add-on coverages?
- Are they in the agency full-time?
- When do they do a full risk review?
- How long has their agency been open in Fairfield?
- Do they make recommendations based only on price?
- Is there a Errors and Omissions policy in force?
Beware of misleading car insurance ads
Consumers can’t avoid all the ads for car insurance savings by companies like Progressive, GEICO, Allstate and State Farm. They all try to convey promises that people will save if you get a free and switch to their company.
How does each company sell you cheaper insurance coverage? This is how they do it.
Insurance providers have strict underwriting profiles for the type of insured they prefer to insure. An example of a profitable insured should be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Someone that meets those criteria gets the lowest premium rates as well as save some money.
Potential insureds who do not match those criteria will have to pay a higher rate and ends up with the customer not buying. If you listen closely, the ads state “drivers who switch” not “everyone who quotes” save money. This is how companies can truthfully advertise the savings.
This really illustrates why you really need to do a rate comparison at every renewal. It is impossible to guess which insurance companies will have the lowest rates.
Additional information can be read on the through this link. Visitors are able to find a variety of consumer forms, view a list of available companies, read industry bulletins, and find out industry alerts.
The following information may also be useful.
- Follow These Tested Ways for Paying Less for Fairfield Auto Insurance
- Professional Methods to Cheaper Fairfield, CT Auto Insurance
Do the work, save more money
When searching for , never skimp on critical coverages to save a buck or two. Too many times, an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
We just presented many ways to reduce car insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices come from a lesser-known regional company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.