Would you like to stop wasting money and find more affordable car insurance rates in Fairfield, CA? Trying to find the cheapest insurance for a car in California can normally be a painful process, but you can follow a few tricks to save time.
There is a right way and a wrong way to shop for car insurance and you need to know the proper way to price shop coverage for a new or used and obtain the lowest price.
Smart consumers take time to take a look at other company's rates quite often because insurance prices are adjusted regularly by insurance companies. Even if you think you had the best price on car insurance a few years ago you will most likely find a better rate quote today. Ignore everything you know about car insurance because we're going to demonstrate the proper way to find great coverage at a great price.
Quoting cheaper protection in Fairfield is not that difficult. If you have coverage now or just want cheaper coverage, you will benefit by learning to save money and possibly find even better coverage. Smart buyers only need to know how to find the lowest price online.
Compare free Fairfield car insurance quotes
Finding cheaper car insurance rates can be relatively painless. Consumers just need to take time comparing rates from different insurance companies.
The providers in the list below are ready to provide free rate quotes in California. If multiple companies are listed, we recommend you visit several of them to get the lowest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LT 2WD||$1,234||$617||$103|
|Chevrolet Silverado LTZ Crew Cab 2WD||$1,334||$667||$111|
|Dodge Grand Caravan Hero||$1,168||$584||$97|
|Dodge Ram Crew Cab ST 2WD||$1,442||$721||$120|
|Ford Edge SE 2WD||$1,212||$606||$101|
|Ford Escape Limited 4WD||$1,114||$557||$93|
|Ford F-150 XLT Regular Cab 2WD||$1,444||$722||$120|
|Ford Focus SES 2-Dr Coupe||$1,724||$862||$144|
|Ford Fusion SE 4-Dr Sedan||$1,676||$838||$140|
|GMC Sierra SLE Crew Cab 2WD||$1,332||$666||$111|
|Honda Accord EX-L 2-Dr Coupe||$1,592||$796||$133|
|Honda CR-V EX-L 2WD||$1,524||$762||$127|
|Honda Civic GX 4-Dr Sedan||$1,722||$861||$144|
|Mazda 3 S Grand Touring 4-Dr Sedan||$1,450||$725||$121|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,430||$715||$119|
|Nissan Rogue S 2WD||$1,668||$834||$139|
|Toyota Camry SE||$1,464||$732||$122|
|Toyota Corolla S||$1,256||$628||$105|
|Toyota RAV4 Limited 2WD||$1,538||$769||$128|
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific location which can decrease or increase prices noticeably.
Should you raise deductibles?
One of the more difficult decisions when buying auto insurance is how high should the physical damage deductibles be. The rates below show the costs and benefits of buying low and high deductibles. The first rate estimation uses a $100 deductible and the second price grid uses a $1,000 deductible.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$380||$564||$442||$26||$132||$1,569||$131|
|Pilot EX 2WD||$430||$564||$442||$26||$132||$1,619||$135|
|Pilot EX 4WD||$430||$564||$442||$26||$132||$1,619||$135|
|Pilot EX-L 2WD||$430||$686||$442||$26||$132||$1,741||$145|
|Pilot EX-L 4WD||$430||$686||$442||$26||$132||$1,741||$145|
|Pilot Touring 2WD||$430||$686||$442||$26||$132||$1,741||$145|
|Pilot Touring 4WD||$430||$686||$442||$26||$132||$1,741||$145|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$210||$298||$442||$26||$132||$1,108||$92|
|Pilot EX 2WD||$238||$298||$442||$26||$132||$1,136||$95|
|Pilot EX 4WD||$238||$298||$442||$26||$132||$1,136||$95|
|Pilot EX-L 2WD||$238||$362||$442||$26||$132||$1,200||$100|
|Pilot EX-L 4WD||$238||$362||$442||$26||$132||$1,200||$100|
|Pilot Touring 2WD||$238||$362||$442||$26||$132||$1,200||$100|
|Pilot Touring 4WD||$238||$362||$442||$26||$132||$1,200||$100|
|Get a Quote for Your Vehicle Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in garaging location in Fairfield which can modify insurance rates noticeably.
Using the premium rates above, we can conclude that using a $100 deductible costs roughly $43 more each month or $516 annually than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 21 months between claim filings, you would probably come out ahead if you elect the higher deductible. The table below shows the way you can make your own decision.
|Average monthly premium for $100 deductibles:||$140|
|Average monthly premium for $1,000 deductibles (subtract):||- $97|
|Monthly savings from raising deductible:||$43|
|Difference between deductibles ($1,000 - $100):||$900|
|Divide difference by monthly savings:||$900 / $43|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||21 months|
Fairfield insurance premiums by gender and age
The information below shows the comparison of car insurance costs for male and female drivers in Fairfield. The data is based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium on a Hyundai Sonata GLS.
Hyundai Sonata rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
You may qualify for discounts
Some insurance providers don't list every policy discount in a way that's easy to find, so the list below details a few of the more common as well as some of the hidden discounts that you can inquire about if you buy Fairfield car insurance online.
- Driver's Education for Students - Cut your cost by having your teen driver successfully complete driver's ed class as it will make them better drivers and lower rates.
- Braking Control Discount - Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions so companies give up to a 10% discount.
- Smart Student Discounts - Being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
- No Claim Discounts - Good drivers with no accidents get the best car insurance rates in comparison with frequent claim filers.
- One Accident Forgiven - This isn't a discount exactly, but companies like State Farm and GEICO will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free for a specific time period.
- Discount for Life Insurance - Insurance companies who offer life insurance give better premium rates if you take out a life policy as well.
- Seat Belt Usage - Drivers who always wear seat belts and also require passengers to fasten their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
- Discounts for Government Workers - Being employed by or retired from a federal job can save as much as 8% with certain companies.
- Bundle and Save - If you have multiple policies with one company you may earn as much as 10 to 15 percent.
Just know that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn't be very happy. But all discounts will positively reduce the premium cost.
Popular car insurance companies and some of their more popular discounts can be read below.
- State Farm offers discounts for defensive driving training, Drive Safe & Save, driver's education, Steer Clear safe driver discount, good student, multiple policy, and safe vehicle.
- Nationwide offers premium reductions for good student, anti-theft, family plan, Farm Bureau membership, and accident-free.
- GEICO may offer discounts for membership and employees, good student, air bags, multi-vehicle, and five-year accident-free.
- AAA may have discounts that include anti-theft, good student, education and occupation, multi-car, and multi-policy.
- 21st Century has discounts for good student, student driver, 55 and older, automatic seat belts, teen driver, theft prevention, and air bags.
- The Hartford offers discounts including anti-theft, driver training, bundle, vehicle fuel type, and air bag.
When getting free Fairfield car insurance quotes, it's a good idea to all the companies which discounts they offer. Depending on the company, some discounts might not be offered on policies in Fairfield. For a list of insurers that offer multiple discounts in California, follow this link.
Compare rate quotes but still have a local Fairfield insurance agent
Certain consumers still like to talk to an insurance agent and that is recommended in a lot of cases Experienced insurance agents are highly skilled in risk management and help file insurance claims. One of the benefits of getting free rate quotes online is the fact that drivers can get cheap rate quotes but still work with a licensed agent. And supporting local agencies is important especially in Fairfield.
To find an agent, once you fill out this simple form, your insurance coverage information gets sent to local insurance agents in Fairfield that can provide free Fairfield car insurance quotes for your business. There is no reason to contact any agents due to the fact that quote results will go to you. If you have a need to get a rate quote from a specific company, you can always find their quoting web page to submit a rate quote request.
Finding the right company should depend on more than just a cheap price. Any agent in Fairfield should be willing to answer these questions.
- Will you work with the agent or an assistant?
- Is the coverage adequate for your vehicle?
- How will an accident affect your rates?
- Which family members are covered?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will high miles depreciate repair valuations?
- Will you get a loaner vehicle if you car is being repaired?
Once you have received positive feedback to your questions as well as a affordable price, you may have found an insurance company that meets the criteria to insure your vehicles. Just understand that policyholders can terminate coverage at any time so don't assume that you're stuck with a specific agent for the full term.
Auto insurance ads bend the truth
Consumers constantly see and hear ads for auto insurance savings from the likes of 21st Century, Allstate and State Farm. All the ads seem to make the promise that you can save if you change your policy.
How does every auto insurance company make almost identical claims?
Many companies quote their cheapest rates for the driver that will be a good risk. An example of a desirable risk may need to be a married male, owns a home, and chooses high deductibles. Any driver who matches those parameters receives the best prices in Fairfield and therefore will cut their auto insurance rates if they switch.
Insureds who don't meet these criteria may be required to pay a higher premium and this results in the prospect going elsewhere. The ads state "people that switch" but not "all drivers who get quotes" will save that much if they switch. That's why companies can truthfully make claims that they all have the best car insurance rates.
Because of the profiling, you really need to do a rate comparison at every renewal. Because you never know with any certainty which company will have better rates than you're paying now.
Detailed coverages of your car insurance policy
Having a good grasp of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.
Liability auto insurance - Liability coverage can cover damages or injuries you inflict on other's property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 which means $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like structural damage, court costs, pain and suffering, funeral expenses and medical services. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but it's recommended drivers buy better liability coverage.
Protection from uninsured/underinsured drivers - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your vehicle.
Since a lot of drivers carry very low liability coverage limits (15/30/5 in California), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
Comprehensive (Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like hail damage, hitting a bird and falling objects. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.
Collision - This pays for damage to your vehicle caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as rolling your car, hitting a mailbox, scraping a guard rail, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It's also possible to increase the deductible to bring the cost down.
Medical expense insurance - Coverage for medical payments and/or PIP reimburse you for expenses for things like dental work, ambulance fees, hospital visits and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage
Keep this in mind when shopping around
We just presented many ways to get a better price on insurance in Fairfield. The key thing to remember is the more companies you get prices for, the better likelihood of getting the cheapest Fairfield car insurance quotes. You may even find the lowest priced insurance comes from a company that doesn't do a lot of advertising.
When trying to cut insurance costs, never skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to buy enough coverage for the lowest price, but do not skimp to save money.
Affordable insurance in Fairfield is available from both online companies and from local agencies, and you need to comparison shop both in order to have the best chance of saving money. A few companies may not have the ability to get quotes online and usually these smaller providers provide coverage only through independent insurance agencies.
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