New Techniques for Buying Fairfield, CT Car Insurance at a Discount

Saving money on Fairfield car insurance can seem to be a challenge for people who are new to comparing rates online. Drivers have so many options available that it can turn into a ton of work to find the best price in Fairfield.

It’s important to price shop coverage before your policy renews since insurance rates are rarely the same from one policy term to another. Just because you had the best price two years ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because we’re going to demonstrate the proper way to lower your rates without sacrificing coverage.

If you are insured now or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. Finding the best protection in Fairfield is simple if you know the tricks. Connecticut drivers only need an understanding of the tricks to compare price quotes online.

Comprehensive Fairfield Car Insurance Comparison Quotes

Most major insurance companies allow you to get pricing on their websites. The process is fairly simple as you simply type in into the quote form. After you complete the form, the company’s rating system orders credit information and your driving record and generates pricing information based on many factors.

Online price quotes simplifies rate comparisons, but the process of having to visit different websites and enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible if you want to find the lowest price.

Compare rates the easy way

The smarter way to lower your car insurance bill uses one simple form to obtain quotes from a lot of companies. The form is fast, eliminates repetitive work, and makes comparison shopping much more efficient. Once the form is submitted, your coverage is rated and you are able to buy any of the returned quotes. If a lower price is quoted, you can simply submit the application and buy the policy. The whole process takes just a few minutes to complete and you will find out if you’re overpaying now.

To save time and find out what other companies charge, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you replicate exactly as they are listed on your policy. This guarantees you are getting rate comparison quotes based on identical coverages.

Local Fairfield agents and car insurance

Certain consumers just want to sit down with an agent and that is just fine! Licensed agents are trained to spot inefficiencies and help you file claims. One of the great benefits of getting online price quotes is that you can obtain the lowest rates and still choose a local agent.

To find an agent, once you fill out this short form, the quote information gets sent to local insurance agents in Fairfield who will battle to get your business. There is no need to leave your house since price quotes are sent to your email. Now that’s easy!

Selecting an insurance company needs to be determined by more than just a low price. Agents should be asked these questions:

• How often do they review policy coverages?
• Are they able to influence company decisions when a claim is filed?
• Do they carry Errors and Omissions coverage?
• Is assistance available after office hours?
• Does the company allow you to choose your own collision repair facility?
• What insurance company do they write the most business with?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• What are the financial ratings for the companies they represent?

Not all auto insurance agents are the same

When searching for an insurance agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Fairfield agents can either be independent or captive. Both do a good job, but it’s worth mentioning how they are different since it may influence your agent selection.

Captive Insurance Agents

Captive agencies write business for a single company such as State Farm, AAA and Liberty Mutual. They are unable to compare other company’s rates so keep that in mind. Captive agencies are trained well on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently choose to use a captive agent mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.

Listed below are captive insurance agents in Fairfield that are able to give price quotes.

• Allstate Insurance – 607 Kings Hwy E – Fairfield, CT 06825 – (203) 333-9999
• State Farm Insurance – 1873 Post Rd – Fairfield, CT 06824 – (203) 255-2277

Independent Insurance Agents

These agents are not locked into one company so they have the ability to put coverage with any number of different companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, we recommend you get quotes from several independent insurance agents for maximum quote selection. They often place coverage with smaller regional carriers which may provide better rates.

Below are Fairfield independent agencies willing to provide comparison quotes.

• Connelly Agency Inc – 16 Sherman Ct – Fairfield, CT 06824 – (203) 256-8888
• Macman Insurance Assoc – 585 Villa Ave – Fairfield, CT 06825 – (203) 384-9000
• John M Glover Agency Inc – 1515 Black Rock Tpke – Fairfield, CT 06825 – (203) 367-9959
• Hatfield Insurance Inc – 1735 Post Rd # 5 – Fairfield, CT 06824 – (203) 256-5660
• B A Gilhuly Agency – 160 Fairfield Woods Rd # 49 – Fairfield, CT 06825 – (203) 259-8308

For a complete listing of insurance agents in Fairfield, please go to this site.

Once you have reasonable responses to any questions you have and a low price estimate, you’ve probably found an insurance agent that meets your needs to insure your vehicles.

Learn more about Connecticut car insurance

Additional detailed information can be found at the Connecticut Insurance Department website. Connecticut consumers can find disaster information, file complaints about an insurance agent or broker, view agent and company licensing information, and find out which companies have the most complaints.