Comparing car insurance companies in Fairfax, VA can be challenging because there are a lot of options and selecting the best Fairfax car insurance agent for your needs is harder than just making a phone call. You need a professional licensed agent, but also the best possible rates.
Insurance companies such as State Farm, Progressive and Geico increase brand awareness with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.
Best way to find Fairfax agents
Good agents are trained to spot inefficiencies and help you file claims. The biggest benefit of getting online price quotes is you can get lower rates and still have an agent to talk to.
For easy comparison, once you complete this form (opens in new window), the quote information is sent to agents in your area who will give you bids for your business. You won’t need to drive around due to the fact that quote results will go straight to your inbox. It doesn’t get any easier! You can find the lowest rates AND an agent nearby.
Deciding on an auto insurance agent needs to be determined by more than just the bottom line cost. These are valid questions to ask:
- Is the agency involved in supporting local community causes?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they assist clients in filing claims?
- Will your rates increase after a single accident?
- Who is covered by the car insurance policy?
- How much will you save each year by using a higher deductible?
- Is the agent and/or agency licensed to do business in Virginia?
- How long has their agency been in business in Fairfax?
Two different types of auto insurance agents
When searching for local Fairfax agents, you must know there are a couple types of insurance agents to choose from. Agents are either captive or independent (non-captive).
Captive Insurance Agents
This type of agents write business for a single company like AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. They are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Consumers often choose to use a captive agent partially due to high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below are Fairfax captive agencies who may provide you with rate quotes.
- Farmers Insurance Group – 9401 Mathy Dr – Fairfax, VA 22031 – (703) 503-1300
- State Farm Insurance – 13135 Lee Jackson Hwy # 104 – Fairfax, VA 22033 – (703) 263-9222
- American Family Insurance – 11750l Fair Oaks Mall – Fairfax, VA 22033 – (703) 273-1100
- Allstate Insurance – 12011 Lee Jackson Hwy # 306 – Fairfax, VA 22033 – (703) 591-0440
- Liberty Mutual Insurance – 4000 Legato Rd # 500 – Fairfax, VA 22033 – (703) 385-4444
Independent Insurance Agents
Independent agents are not locked into one company but rather can write business with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency.
When comparing rates, we recommend you include price quotes from at a minimum one independent agency to have the most options to choose from.Most can insure with lesser-known insurance companies which can be an advantage.
Listed below is a list of independent agencies in Fairfax that can give you rate quotes.
- Carter Agency – 4021 University Dr # 202 – Fairfax, VA 22030 – (703) 352-0211
- Bryan Casey Insurance – – Fairfax, VA 22033 – (703) 222-3311
- Insurance Assoc Agency Inc – 10201 Lee Hwy # 200 – Fairfax, VA 22030 – (703) 352-7333
- Grimes Insurance – 3915 Old Lee Hwy # 23a – Fairfax, VA 22030 – (703) 385-2778
For a full directory of licensed insurance agents in Fairfax, visit this link.
Upon receiving positive responses to any questions you have and a low price estimate, it’s possible that you found an auto insurance agent that is a good match to service your policy.
You have the option to purchase direct online
Car insurance agents are a valuable resource, but you also have the option of buying direct from companies online. A few companies like Allstate and State Farm who have local agents in Fairfax additionally provide the ability to buy direct online, and online price comparisons are easy if you don’t want to take the time to contact agents.
If you’re worried about not having an agent to talk to when buying car insurance direct, this really isn’t an issue. Online companies that require consumers to choose their own coverages provide options to walk you through the process.
Does it save money buying online? It’s difficult to say for sure because there are so many things that impact your rate calculation. You may think that buying direct lowers rates due to not having any agent compensation. But truthfully, marketing their products costs a lot of money and that impacts the rates consumers pay.
Online plus local equals savings
Cost effective car insurance can be bought on the web and also from your neighborhood Fairfax agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.
As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.
Virginia car insurance information
More tips and info about car insurance is located at the Virginia Bureau of Insurance website. Virginia consumers can find a variety of consumer forms, report car insurance fraud, and file complaints about a company.
Additional helpful sites include this resource for Virginia car insurance prices and this link where you can make Fairfax car insurance comparisons.