Rock Solid Methods for Getting the Cheapest Sioux Falls, SD Auto Insurance

Feel like you’re a prisoner to an overpriced auto insurance policy? Trust us when we tell you there are lots of people in the same boat. Insurance companies such as Progressive, GEICO and Farmers Insurance constantly bombard you with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and find the best price available.

You need to take a look at other company’s rates on a regular basis due to the fact that insurance rates change frequently. Despite the fact that you may have had the lowest price six months ago there is a good chance you can find better rates now. Starting now, block out anything you think you know about auto insurance because you’re going to learn the proper way to reduce your cost while increasing coverage.

If you have insurance now or need new coverage, you can use these tips to cut your premiums and still get good coverage. Finding the best rates in Sioux Falls is easy if you know what you’re doing. South Dakota drivers just need to learn the most effective way to shop online.

How to Compare Auto Insurance Quotes in Sioux Falls

Reducing your insurance rates is not a difficult process. The only requirement is to take time comparing price quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

1. One of the best ways to find low rates is a comparison rater form like this one (opens in new window). This type of form keeps you from doing boring form submissions for each company you want a rate for. In just a few minutes this one form will return price quotes instantly.
2. A more difficult way to obtain and compare quotes online requires a trip to each company website to complete a price quote. For instance, let’s assume you want to compare Liberty Mutual, Esurance and Allstate. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular.

   To view a list of companies in Sioux Falls, click here.

3. The hardest method of getting rate comparisons is to waste gas driving to local Sioux Falls insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the trained guidance of a local Sioux Falls agent. You can, however, get prices online and get advice from an agent in your area and you’ll learn how to do that later.

Whichever method you choose, compare exactly the same coverages and limits for every company. If you are comparing different values for each quote it’s not possible to determine which rate is truly the best in Sioux Falls.

Discounts are great for lower rates

Car insurance companies do not advertise every discount very well, so we took the time to find some of the more common as well as the least known ways to save on auto insurance. If you don’t get every credit you qualify for, you’re just leaving money on the table.

• New Car Discount – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
• Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
• Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
• Good Students Pay Less – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
• Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than their less cautious counterparts.
• Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
• Resident Student – Children living away from home attending college without a vehicle on campus may qualify for this discount.
• Senior Citizens – If you qualify as a senior citizen, you may receive a small decrease in premiums.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of insurers with discount auto insurance rates in South Dakota, follow this link.

More tips and info about auto insurance is located at the South Dakota Division of Insurance website. Consumers can find disaster information, read state legal mandates and laws, read consumer alerts, and find out which companies have the most complaints.

Other informative sites include NAIC.org’s Understanding your Policy and this page where you can research Sioux Falls insurance agents.