If you’re looking for a good Fairfield agent, you can start your search by getting online comparison quotes instead of making phone calls. It’s likely you want a highly trained agent, but you also need the lowest possible price.
With insurance companies like American Family, Allstate, State Farm and independent agents all competing for business in Fairfield, it’s hard to tell which one will provide you with the best service and rates. Thankfully, you can use insurance quotes online to get a list of insurance agents and price estimates.
Online price comparisons from Fairfield agents
Educated insurance agents can answer important questions and give you someone to call. The biggest benefit of comparing insurance prices online is you may find the lowest rates but also keep your business local. And providing support for local businesses is important especially in Fairfield.
After completing this quick form, your information is sent to agents in your area who will give you bids for your business. You won’t need to leave your computer because quoted prices will be sent to your email. It doesn’t get any easier!
Best insurance agency in Fairfield
If you’re trying to find a good Fairfield insurance agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agencies in Fairfield are categorized either independent (non-captive) or captive. Both properly insure your vehicles, but it’s good to learn how they are different since it can impact your selection of an agent.
Independent Agencies or Brokers
Independent insurance agents are not locked into one company so they can insure your vehicles with any number of different companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.
When searching for an agent, it’s recommended you contact multiple independent agents for maximum quote selection.
The following is a short list of independent insurance agents in Fairfield who may be able to give you competitive price quotes.
Hosford Insurance – 1331 Texas St – Fairfield, CA 94533 – (707) 425-4233
Hague Agency – 912 N Texas St – Fairfield, CA 94533 – (707) 422-3221
Ken Stewart Insurance – 997 Beck Ave – Fairfield, CA 94533 – (707) 428-6070
Captive Insurance Agents
This type of agents are contracted to one company like State Farm, AAA and Liberty Mutual. They are unable to compare other company’s rates so they have no alternatives for high prices. Captive agencies receive extensive training in insurance sales and that can be a competitive advantage.
Shown below are Fairfield captive insurance agencies that can give you price quote information.
Allstate Insurance – 1319 Travis Blvd # A – Fairfield, CA 94533 – (707) 399-3820
Farmers Insurance Group – 547 Jackson St – Fairfield, CA 94533 – (707) 422-3220
State Farm Insurance – 5055 Business Center Dr – Fairfield, CA 94534 – (707) 864-4073
For a full directory of car insurance agents in Fairfield, simply jump to this page.
Selecting a car insurance agent should depend on more than just a cheap price. Any agent should be forthright in answering these questions:
- Does the company allow you to choose your own collision repair facility?
- What insurance companies do they recommend if they are an independent agent?
- Do they carry Errors and Omissions coverage?
- Can they give you a list of client referrals?
- How often do they review policy coverages?
- How much will you save each year by using a higher deductible?
- Are they properly licensed to sell insurance in California?
Upon receiving answers to your satisfaction for all questions you ask as well as a affordable price, most likely you have located an insurance agency that is a good match to adequately provide car insurance.
Also consider buying auto insurance direct
Local insurance agents are important to many people, but California consumers also have the option to buy direct from companies that only sell online. Even companies, such as Farmers Insurance and State Farm, who have local agents in Fairfield additionally provide the ability to buy online, so keep that in mind and can also potentially find you lower rates.
If you’re uncomfortable with not having someone to ask questions when buying car insurance direct, don’t sweat it. Companies that require consumers to choose their own coverages provide options for getting the best coverage.
Is it cheaper to buy online? Many people swear by it, but it’s difficult to answer since there may be dozens of rate factors that impact your final bill. It would make sense to think that a customer who purchases direcly from an online company cuts out the agent as a middleman. But truthfully, marketing their products costs a lot of money so this can offset any savings.
If you just want to find lower premiums, the most effective way to determine who has the best deal, local agents or online insurance companies, is to compare price quotes from both. It’s even possible to receive different pricing from the same insurance company when using both online and agent quotes.
Much more information about car insurance in California can be read on the website for the California Department of Insurance found here. Visitors are able to file complaints about an insurance agent or broker, file complaints about a company, learn about specific coverages, and find out industry alerts.
A little work can save a LOT of money
Drivers leave their current company for any number of reasons including being labeled a high risk driver, not issuing a premium refund, questionable increases in premium or even high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.
While you’re price shopping online, do not skimp on coverage in order to save money. There are too many instances where an accident victim reduced liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at the best price, not the least amount of coverage.