Are you sick and tired of robbing Peter to pay Paul to make your auto insurance payment? You're in the same situation as millions of other drivers.

Astonishing but true, most drivers kept buying from the same company for over three years, and 38% of customers have never even shopped around for cheap coverage. Many drivers in Fairfield can cut their rates by 55% a year just by getting comparison quotes, but they don't invest the time required to find cheap auto insurance rates. Lots of car insurance companies contend for your business, so it's not easy to compare every provider and uncover the absolute lowest rate on auto insurance.

Informed consumers can cut their insurance rates

When buying insurance it's important to understand the factors that play a part in calculating insurance rates. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could result in cheaper rates. Multiple criteria are part of the equation when you get your auto insurance bill. Some are obvious like an MVR report, but other criteria are more transparent like your continuous coverage or your commute time.

The most recommended method to compare insurance rates in your area is to understand most of the bigger providers pay for the opportunity to compare rate quotes. All you need to do is take a few minutes to give details like if the vehicle is leased, level of coverage desired, what you do for a living, and how many miles driven. That rating information is instantly submitted to insurance carriers in your area and they return rate quotes within a short period of time.

If you would like to compare rates now, click here and enter your coverage details.

The following companies are ready to provide price quotes in Fairfield, OH. If multiple companies are shown, it's a good idea that you compare several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Fairfield
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $860 $430 $72
Chevrolet Silverado LS Crew Cab 2WD $900 $450 $75
Dodge Ram Crew Cab Sport 4WD $806 $403 $67
Ford Escape XLT 2WD $758 $379 $63
Ford F-150 Lariat King Ranch 2WD $746 $373 $62
Ford Focus SES 2-Dr Coupe $778 $389 $65
Ford Fusion SEL 4-Dr Sedan $822 $411 $69
Honda Accord LX 4-Dr Sedan $652 $326 $54
Honda CR-V EX 2WD $594 $297 $50
Honda Civic EX 2-Dr Coupe $992 $496 $83
Jeep Wrangler Sport 4WD 2-Dr $632 $316 $53
Kia Optima SX $816 $408 $68
Nissan Altima 2.5 S 2-Dr Coupe $920 $460 $77
Toyota Camry Hybrid $894 $447 $75
Toyota Corolla XLE $944 $472 $79
Toyota Prius $554 $277 $46
Toyota RAV4 Sport 2WD $900 $450 $75
Get Your Own Custom Quote Go

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in your specific Fairfield location which can revise rates significantly.

Raise deductibles and save

The illustration below demonstrates how choosing different deductibles and can affect Honda Accord insurance costs for different age groups of insureds. The data is based on a married male driver, comp and collision included, and no discounts are applied.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Safe drivers pay less for auto insurance

The information below highlights how speeding tickets and at-fault claims impact Hyundai Elantra yearly insurance costs for each age group. The premiums assume a married female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Can you really save that much by switching?

Ohio consumers can't get away from all the ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all seem to tend to make the same promise about savings if you switch your policy.

How does every company save you money on car insurance? It's all in the words they use.

Different companies give the best rates for the type of insured that earns them a profit. For instance, a desirable insured should be between the ages of 30 and 45, has a clean driving record, and drives less than 10,000 miles a year. Anyone that meets those criteria receives the best rates in Fairfield as well as pay quite a bit less when switching companies.

People who cannot meet this stringent profile will have to pay higher premium rates which usually ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say "customers that switch" not "everyone that quotes" save that kind of money. This is how insurance companies can confidently make those claims.

Each company has different criteria, so you really need to do a price quote comparison at every renewal. It is impossible to guess the company that will have better prices than you're paying now.

Car insurance just makes sense

Despite the high cost of buying insurance in Fairfield, paying for car insurance is required for several reasons.

The benefits of insuring your vehicle definitely exceed the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer overpays more than $820 a year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.

Insurance policy discounts you can't miss

Not too many consumers would say insurance is affordable, but you may find discounts that many people don't even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be requested specifically before you get the savings. If you don't get every credit available, you could be saving more on your insurance.Cheaper insurance with discounts

Policy discounts save money, but some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, that's just not realistic.

The best insurance companies and some of the premium reductions they offer are detailed below.

If you are trying to find the cheapest Fairfield car insurance quotes, ask all companies you are considering the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in Fairfield. If you would like to choose from a list of insurance companies that provide some of the discounts listed above in Ohio, click this link.

Car insurance agents near you

Many drivers just want to have an agent's advice. Professional agents are trained to spot inefficiencies and will help you if you have claims. A nice benefit of comparing rate quotes online is the fact that drivers can get better rates but also keep your business local. And buying from local insurance agencies is especially important in Fairfield.

For easy comparison, once you complete this simple form, your insurance data gets sent to insurance agents in Fairfield that can give you free Fairfield car insurance quotes for your auto insurance coverage. It's much easier because you don't need to contact any insurance agencies because prices are sent to you directly. If you wish to compare prices from one company in particular, you can always navigate to their website and complete a quote there.

Insurance agent types

If you would like to find local Fairfield agents, there are two types of agencies and how they function. Agents can be described as either exclusive or independent agents depending on their company appointments. Both write policy coverage, but it's important to know why they differ because it can impact the selection process.

Independent Auto Insurance Agencies or Brokers

Agents that elect to be independent are not employed by any specific company and that enables them to quote your coverage with many different companies and find you the best rates. To transfer your coverage to a different company, they simply move your policy to a different company and you can keep the same agent.

When comparing auto insurance rates, it's a good idea to get several quotes from a few independent agents to ensure the widest selection of prices.

Exclusive Agents

Agents that elect to be exclusive can only provide pricing for a single company like American Family, State Farm, and AAA. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training on their products and sales techniques which can be an advantage.

Finding the right car insurance agent should include more criteria than just a low price. Below are some questions you should ask.

If you receive positive responses to any questions you have in addition to an acceptable price estimate, you've probably found an insurance agency that can be trusted to insure your vehicles.

When to get professional advice

When quoting and comparing the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Your situation is unique and your policy should reflect that.Drive safe and save For instance, these questions might point out whether or not you might need professional guidance.

If you don't know the answers to these questions, you might consider talking to a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance claim statistics

Which vehicle models have a high chance of claims? The statistics below list the highest and lowest vehicle models for overall likelihood of filing claims.

Auto Insurance Collision Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Ferrari 458
Jeep Wrangler Nissan GT-R
Ford F-150 SuperCrew Maserati Ghibli
GMC Canyon Bently Continental GT
Mini Cooper Audi RS7
Smart ForTwo Maserati Granturismo

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claim Amount Highest Claim Amount
Chevy Silverado 2500 BMW M6
Nissan Xterra Maserati Quattroporte
GMC Sierra 2500 Audi S7
Chevy Spark Bentley Continental GTC
Ford F-350 Bentley Continental GT
Volvo V60 Mercedes-Benz S Class

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Chevrolet Sonic
Chevrolet Corvette Mitsubishi Mirage
Ford F-350 SuperCrew Hyundai Accent
Ford Expedition Nissan Sentra
Land Rover Range Rover Sport Mitsubishi Lancer
Audi A4 Allroad Nissan Versa

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Fiat 500 Mitsubishi Mirage
Chevrolet Corvette Hyndai Accent
Audi A6 Mitsubishi Lancer
Subaru Forester Chevrolet Cruze
Mercedes-Benz SL Class Chrysler 200
Volvo XC60 Kia Optima

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

More comparisons equals cheap rates

Cheaper car insurance in Fairfield can be purchased on the web in addition to many Fairfield insurance agents, so get free Fairfield car insurance quotes from both of them so you have a total pricing picture. There are still a few companies who may not provide online price quotes and many times these smaller providers only sell coverage through local independent agents.

When you buy Fairfield car insurance online, do not reduce coverage to reduce premium. There are too many instances where someone sacrificed uninsured motorist or liability limits only to regret that it was a big error on their part. The ultimate goal is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

We just presented many ways to find cheaper coverage online. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best auto insurance rates are with a small mutual company. These smaller insurers can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm and Allstate.

Additional information is located at the links below