Online Quotes for Fairfield, CA Car Insurance Companies

When trying to find a licensed insurance agent in Fairfield, we recommend you begin your search by comparing prices online to save yourself time. Consumers need a good agent, and also want to find cheap rates.

Many car insurance agents compete for your business, so it’s not easy to compare every car insurance agent and get the best coverage at the lowest price

How to compare Fairfield car insurance rates

Licensed agents can answer important questions and help submit paperwork. The best thing about getting online price quotes is you can get the best rates but also keep your business local.

To find an agent, once you fill out this simple form, the quote information is instantly submitted to companies in Fairfield who will battle to get your business. There is no reason to even leave your home since price quotes are sent to your email. It doesn’t get any easier!

Selecting an insurance agent requires more thought than just the price. Any agent should have no problem answering these questions:

Is assistance available after office hours?
Is working in the agency their full-time job?
Is their price quote a firm figure or are their hidden costs?
How many years of experience in personal lines insurance coverages do they have?
Which members of your family are coverage by the policy?
Does the agency support the community they serve?
Can glass repairs be made at your home?
Do the companies they represent have a solid financial rating?

Not all insurance agents are the same

If you’re trying to find a good Fairfield insurance agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agents are classified as either captive or independent. Either one can write coverage properly, but it’s important to know the difference between them because it can impact your agent selection.

Captive Insurance Agents

Captive agencies can only place business with one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. They usually cannot compare other company’s rates so they have no alternatives for high prices. Captive agencies are usually quite knowledgeable on the products they sell which can be an advantage. Some people will only buy from captive agents primarily because of loyalty to the company and solid financial strength.

Below is a list of captive insurance agencies in Fairfield that are able to give comparison quotes.

State Farm Insurance – 5055 Business Center Dr – Fairfield, CA 94534 – (707) 864-4073
Farmers Insurance Group – 2220 Boynton Ave – Fairfield, CA 94533 – (707) 438-1744
Allstate Insurance – 2300 Boynton Ave # 200 – Fairfield, CA 94533 – (707) 425-1045

Independent Agencies or Brokers

Independent agents do not work for one specific company but rather can write business with many different companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and that require little work on your part. When searching for an agent, we recommend you include at least one independent agent to have the most options to choose from. They also have the ability to place coverage with smaller companies which may provide better rates.

Below is a list of independent agents in Fairfield willing to provide price quote information.

Lagoon Valley Insurance Svc – 3700 Hilborn Rd – Fairfield, CA 94534 – (707) 427-5000
Hague Agency – 912 N Texas St – Fairfield, CA 94533 – (707) 422-3221
Erich Aviation Insurance Svc – 657 Renaissance Ave – Fairfield, CA 94534 – (707) 864-8770

To view a complete directory of car insurance agents in Fairfield, visit this site.

Upon receiving good answers to any questions you have and an acceptable price quote, most likely you have located an insurance agency that can service your policy.

Can I save by eliminating the insurance agent?

Licensed agents are indespensible for some people, but California car insurance can also be bought directly from online companies. Even companies like State Farm and Allstate who sell through agents in Fairfield additionally provide the ability to buy direct online. This is something to consider if you want to do it yourself.

If you’re uneasy about not having an insurance agent’s advice when buying direct, don’t let it bother you. Auto insurance companies provide customer service for getting advice on proper coverages.

Are online premiums lower? It’s difficult to provide an answer because of the fact that insurance companies use many factors that can increase policy rates. It’s logical to say that going direct saves money because there is no agent involvement. In reality, marketing their products costs a lot of money so this can offset any savings.

Online resources for education

Additional detailed information is located at the California Department of Insurance website. Visitors are able to find out industry alerts, learn about insurance regulations, and read state legal mandates and laws.

The following articles may also be useful.

Final thoughts

People switch companies for a variety of reasons including poor customer service, questionable increases in premium, unfair underwriting practices and even policy non-renewal. It doesn’t matter what your reason, choosing a new company is less work than it seems.

Low-cost car insurance is possible on the web in addition to many Fairfield insurance agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies do not provide online quoting and these small insurance companies work with independent agents.