Easy Tips to Pay Less on Mobridge, SD Auto Insurance

Are you sick and tired of scraping the payment together to pay your car insurance bill each month? You are no different than the majority of other car owners in South Dakota.

Numerous insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurer to get the best rate

It’s a good idea to take a look at other company’s rates at least once a year because prices change regularly. If you had the best rates a couple years back there is a good chance you can find better rates now. So just ignore everything you know about auto insurance because I’m going to teach you the easiest way to remove unneeded coverages and save money.

Why you might pay higher rates in Mobridge

It’s important that you understand the rating factors that go into determining the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get better auto insurance rates.

• Your location affects your rates – Choosing to live in less populated areas is a positive aspect when insuring your vehicles. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Fewer people means fewer accidents and also fewer theft and vandalism claims.
• High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.
• Mature drivers pay less – More mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Teenage drivers are known to be less responsible when driving and because of this, their auto insurance rates are much higher.
• Extra coverages can waste money – There are a lot of add-on coverages that can waste your money on your policy. Things like rental car reimbursement, accident forgiveness and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so remove them from your policy.

How much can you save with discounts?

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Some trigger automatically when you complete an application, but some may not be applied and must be inquired about prior to getting the savings.

• Homeowners Discount – Owning a home in Mobridge may earn you a small savings because owning a home requires personal responsibility.
• Paperwork-free – A few companies give back up to $50 just for signing your application digitally online.
• Clubs and Organizations – Participating in a qualifying organization may earn a discount when shopping for auto insurance.
• No Accidents – Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
• Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
• Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
• Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better rates on cars that stay parked.
• Accident Forgiveness – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims prior to the accident.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

Local Mobridge agents and auto insurance

Some people just want to buy from a licensed agent. The biggest benefit of price shopping on the web is you can get better rates but also keep your business local. Buying from local agencies is important particularly in Mobridge.

After filling out this form (opens in new window), your coverage information is immediately sent to companies in Mobridge who will battle to get your business. There is no need to visit any agencies since price quotes are sent immediately to your email address. It doesn’t get any easier! You can find the lowest rates AND an agent nearby.

Captive or Independent: There is a difference

When looking for a reputable insurance agent or broker, there are two types of agencies to choose from. Agents can either be independent (non-captive) or captive.

Independent Agencies or Brokers

These agents do not work for one specific company but rather can write business amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and that require little work on your part.

When searching for an agent, it’s a good idea to include multiple independent agents for maximum quote selection.

The following is a list of independent insurance agencies in Mobridge who can help you get rate quotes.

Steiger Insurance – 116 4th St W # 4 – Mobridge, SD 57601 – (605) 845-7923
Farm Bureau Insurance – 1008 W Grand Xing – Mobridge, SD 57601 – (605) 845-7200

Captive Insurance Agents

Captive insurance agents work for only one company and some examples include Farmers Insurance or State Farm. These agents are unable to shop your coverage around so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on their products and sales techniques which can be an advantage.

Below are Mobridge captive agencies that are able to give price quote information.

American Family Insurance – 402 W Grand Xing – Mobridge, SD 57601 – (605) 845-7778
Farm Bureau Insurance – 1008 W Grand Xing – Mobridge, SD 57601 – (605) 845-7200
State Farm Insurance – 503 1/2 W Grand Xing – Mobridge, SD 57601 – (605) 845-2188

To view a complete directory of Mobridge captive insurance agencies, view this link.

Choosing a car insurance agent needs to be determined by more than just the bottom line cost. Any agent should be forthright in answering these questions:

• Do they review policy coverages at every renewal?
• If your car is totalled, how to they determine the replacement cost?
• What insurance companies do they recommend if they are an independent agent?
• Does the agency provide any after hours assistance?
• How long have they worked with personal auto insurance coverage?
• Can they give you a list of client referrals?

Once you have acceptable answers in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that will insure your vehicles.

More sites with auto insurance information

Additional auto insurance information is located on the website for the South Dakota Division of Insurance through this link. South Dakota drivers can get help finding coverage, discover disciplinary actions, and view a list of available companies.

Other useful links include QuoteClickInsure.com and this resource to find Mobridge, SD insurance agents.

Final considerations

As you restructure your insurance plan, you should never buy poor coverage just to save money. In too many instances, someone sacrificed physical damage coverage only to regret at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

We covered a lot of information how to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.