Do you want to learn to get the cheapest auto insurance rates in Fairfax, VA? Fairfax consumers have many options when looking for the lowest priced car insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates.

There are more efficient ways to shop for auto insurance so you're going to learn the best way to quote coverages for your and obtain the cheapest rates from both online companies and Fairfax agents.

It's a great practice to shop coverage around quite often because auto insurance prices tend to go up over time. If you had the best rates on auto insurance a couple years back you can probably find a better premium rate now. Ignore everything you know about auto insurance because you're about to learn the best way to save money, get proper deductibles and limits, all at the lowest rate.

All major auto insurance companies allow you to get prices direct online. Getting quotes is possible for anyone as you just enter your coverage information into the form. Behind the scenes, their quoting system orders reports for credit and driving violations and returns a price based on the data you entered.

Quoting online makes it easy to compare insurance prices and it's very important to have as many quotes as possible in order to get the best rate on auto insurance.

To compare rates using this form now, compare rates now from the companies shown below. To compare your current rates, we recommend that you enter the coverage information just like they are on your policy. This makes sure you will have a fair comparison for the exact same coverage.

The auto insurance companies shown below offer price quotes in Virginia. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Fairfax
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $772 $386 $64
Chevrolet Silverado LTZ Extended Cab 2WD $922 $461 $77
Dodge Ram Quad Cab Laramie 4WD $1,100 $550 $92
Ford Edge Sport 2WD $852 $426 $71
Ford Escape XLS 2WD $652 $326 $54
Ford F-150 XL Regular Cab 4WD $672 $336 $56
Ford Focus SEL 4-Dr Sedan $936 $468 $78
Ford Fusion SEL AWD 4-Dr Sedan $778 $389 $65
Honda Accord EX 4-Dr Sedan $734 $367 $61
Honda CR-V EX 2WD $862 $431 $72
Honda Civic GX 4-Dr Sedan $896 $448 $75
Hyundai Elantra GLS 4-Dr Sedan $914 $457 $76
Jeep Grand Cherokee Limited 2WD $960 $480 $80
Mazda 3 S Grand Touring 4-Dr Hatchback $1,108 $554 $92
Nissan Altima Hybrid 4-Dr Sedan $1,208 $604 $101
Nissan Rogue S 2WD $828 $414 $69
Toyota Camry SE $758 $379 $63
Toyota Corolla XRS $828 $414 $69
Toyota RAV4 4WD $776 $388 $65
Get Your Own Custom Quote Go

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in specific garaging location which can raise or lower premiums substantially.

Fairfax insurance premiums by gender and age

The chart below compares car insurance costs for male and female drivers in Fairfax. The rates are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied on a Nissan Altima 2.5.

Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Higher deductibles save money

The example below demonstrates how deductibles and can raise or lower Ford Fusion yearly insurance costs for different age categories. The premiums are based on a single male driver, full coverage, and no policy discounts are applied.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Drive responsibly or pay higher rates

The chart below illustrates how traffic citations and at-fault collisions can drive up Hyundai Elantra yearly insurance costs for different age categories. The information is based on a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Cheaper rates by receiving discounts

Some providers don't necessarily list their entire list of discounts very clearly, so we break down a few of the more well known as well as the least known credits available to bring down your rates.Discount car insurance

Keep in mind that some of the credits will not apply to the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it doesn't quite work that way.

A few popular companies and a partial list of their discounts can be read below.

If you need lower rates, check with each insurance company to apply every possible discount. Some discounts may not be available in Fairfax. To view insurers with the best discounts in Virginia, click this link.

Lower Fairfax insurance rates

An important part of buying insurance is that you know some of the things that help determine your premiums. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that can help you get lower insurance prices.

It may be expensive, but it's not optional

Despite the high cost of buying insurance in Fairfax, paying for insurance is most likely required but also gives you several important benefits.

First, most states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability protection if you drive a vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if your vehicle has a loan, it's guaranteed your bank will require that you have insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may buy a policy for your vehicle at a significantly higher premium and require you to reimburse them a much higher amount than you were paying before.

Third, insurance protects not only your vehicle but also your financial assets. It also can pay for most medical and hospital costs incurred in an accident. Liability insurance will also pay for a defense attorney in the event you are sued. If you have damage to your vehicle as the result of the weather or an accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of insuring your vehicle are without a doubt worth the cost, particularly when you have a large claim. The average driver in America is currently overpaying as much as $850 per year so smart consumers compare quotes every year to be sure current rates are still competitive.

Claim statistics by make and model

Are you driving a vehicle that ranks well for claims? The following statistics show the worst and best makes and models for likelihood of having large claims for each type of coverage.

Collision Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Maserati Granturismo
Ford F-250 SuperCab Bentley Continental Flying Spur
Ford F-150 SuperCrew Maserati Ghibli
Smart ForTwo BMW M6
Chevrolet Colorado Ferrari 458
Ford Edge BMW 6 Series

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Comprehensive Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Maserati Quattroporte
Smart ForTwo Maserati Granturismo
Chevy Spark Bentley Continental GTC
Chevy Silverado 2500 Mercedes-Benz S Class
GMC Sierra 2500 BMW M6
Ford F-350 BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Bodily Injury Liability Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Acura MDX Chevrolet Impala
Volvo XC60 Kia Optima
Fiat 500 Chrysler 200
Chevrolet Corvette Hyndai Accent
Subaru Outback Dodge Charger
Mercedes-Benz SL Class Chevrolet Sonic

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Land Rover Range Rover Sport Nissan Versa
Chevrolet Corvette Chrysler 200
Ford Expedition Nissan Sentra
Chevrolet Silverado 3500 Chevrolet Spark
Audi A4 Allroad Hyundai Accent
Ford F-350 SuperCrew Dodge Charger

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Persistent drivers can save

Cheaper auto insurance in Fairfax is available online and also from your neighborhood Fairfax agents, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies may not have price quotes online and these smaller providers only sell through independent insurance agents.

Drivers who switch companies do it for any number of reasons including policy non-renewal, policy cancellation, delays in paying claims and even extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is not as hard as you think.

You just read a lot of tips how to reduce auto insurance premium rates online in Fairfax. The key thing to remember is the more you quote Fairfax auto insurance, the higher your chance of finding cheaper Fairfax auto insurance quotes. You may even be surprised to find that the lowest priced auto insurance comes from a small local company.

Additional auto insurance information can be found below: