Proven Techniques to Save on Fairfax Car Insurance

I can't think of anyone who looks forward to paying for car insurance, especially when the price is too high. Popular companies such as GEICO and Progressive constantly bombard you with ad campaigns and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have a current car insurance policy or are shopping for new coverage, you can use these techniques to find better prices and still get good coverage. Buying car insurance in Fairfax is quite easy. Missouri drivers only need an understanding of the tricks to get comparison quotes over the internet.

Automobile Insurance Quotes in Fairfax, MO

Getting better car insurance pricing can be quick and easy. Just spend a little time to compare quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The first (and easiest) way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form keeps you from doing repetitive form submissions for every car insurance company. A single form gets you price quotes from multiple companies.

Another way to compare rate quotes requires visiting the website of each company and complete a new quote form. For instance, we'll pretend you want to compare , and . To get rate quotes you would need to go to every website and enter your policy data, and that's why the first method is more popular.

To view a list of companies in Fairfax, click here.

The hardest method to get comparison rates is to drive around to different Fairfax agent offices. Buying insurance online makes this process obsolete unless you have a need for the professional guidance of a local Fairfax agent. Drivers can compare the best prices online and still use a local agent and we'll talk about that later.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same quote information on every quote. If you use mixed coverages it will be very difficult to make a fair comparison in Fairfax.

Fairfax Rates are Influenced by These Factors

It's important that you understand the rating factors that help determine your car insurance rates. Having a good understanding of what determines base rates enables informed choices that will entitle you to lower car insurance prices.

Frequent car insurance claims increase rates - If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies in Missouri give cheaper rates to policyholders who are claim-free. Auto insurance is meant to be used in the event of larger claims.
How many coverages with the same company - Many car insurance companies provide better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, it's in your best interest to shop around to ensure the best deal.
Lower deductibles cost more - Physical damage deductibles define the amount you are required to spend before your car insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and windstorm damage. The more money you are required to pay out-of-pocket, the lower your rates will be.
How's your driving record? - Careful drivers tend to pay less for car insurance compared to drivers with tickets. Only having one citation can boost insurance rates twenty percent or more. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to keep their license.

Take advantage of discounts

Companies offering auto insurance do not advertise every discount in a way that's easy to find, so here is a list some of the more common and the harder-to-find ways to save on car insurance. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

Federal Employees - Simply working for the federal government can save as much as 8% with a few car insurance companies.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
Homeowners Savings - Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
Good Student - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
Accident Forgiveness - A handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class if it's offered in school.
Low Mileage Discounts - Fewer annual miles can qualify you for better rates on cars that stay parked.
Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.

Consumers should know that many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

For a list of insurance companies who offer car insurance discounts in Fairfax, click this link.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone's situation is unique so this has to be addressed. These are some specific questions might point out whether your personal situation may require specific advice.

Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
Does my policy cover my teen driver if they drive my company car?
Do I need to file an SR-22 for a DUI in Missouri?
Does my policy cover me when driving someone else's vehicle?
Is rental equipment covered for theft or damage?
Is my nanny covered when driving my vehicle?

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It's fast, free and may give you better protection.

More tips and info about car insurance is available at the Missouri Department of Insurance website. Consumers can download brochures, read consumer alerts, report car insurance fraud, and file complaints about a company.

In the end, you save

While you're price shopping online, it's a bad idea to reduce needed coverages to save money. There are too many instances where an insured cut liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

Cost effective car insurance can be sourced from both online companies and also from your neighborhood Fairfax agents, and you should be comparing both to get a complete price analysis. Some companies may not provide online quoting and these smaller companies work with independent agents.