Cheap Car Insurance Fairfield

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cheap car insurance fairfieldFairfield’s strategic location in the heart of Northern California, just 45 minutes from San Francisco and Sacramento, makes it and ideal destination to visit, shop, stay and explore. The city is located within the California Coastal Ranges and is centered directly north of the Suisun Bay and northeast of the San Pablo Bay. Affordable housing, good schools and close proximity to many of the San Francisco Bay Area’s largest employers make Fairfield a very popular place to call home. The cost of living in Fairfield is 6% lower than the California average,and it has a median income of about $84,221 for people who own homes. The average travel time to work in Fairfield is 14% higher than the national average, and 74.4% of commuters prefer to drive their own cars to work. These facts make it especially important to explore all the options for cheap car insurance Fairfield has to offer.

The overall crime rate in Fairfield is 22% higher than the national average, and property crime is 16% higher than the California average and 22% higher than the national average. There are a total of 178 officers in the Fairfield Police Department, as well as a family violence unit and a gang prevention unit. The lower a city’s crime rate, the lower the insurance premiums will be on your auto insurance.

Fairfield Insurance Requirements

cheap car insurance fairfield 2All California state residents are required to have the basic liability insurance coverage in the following limits:

  • $5,000 of property damage liability per incident
  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident

The minimum coverage may be all the law requires, but Fairfield has a large population and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Fairfield can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Public Transportation in Fairfield

cheap car insurance fairfield 3The Fairfield Transportation Center is the main hub for commuters via bus as well as vanpools and park-and-ride to the Sacramento area and the San Francisco Bay Area. There is connecting bus service to Sacramento and to BART stations in El Cerrito and Concord/Walnut Creek, as well as intercity to Vacaville, Vallejo, Davis, Napa, and Rio Vista. Fairfield and Suisun Transit (FAST) has operated a general public transit service since 1975. The current program consists of the general public fixed route system traveling to local as well as  intercity areas.