Tightwads Guide to Saving on Winner Car Insurance

Scraping up a payment for overpriced car insurance can overdraw your checking account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to lower your monthly bill. Numerous car insurance companies battle for your business, and it can be difficult to compare rates to discover the definitive lowest rate possible.

These discounts can lower your rates

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so we researched some of the more common and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

• Save over 55 – Older drivers may be able to get reduced rates.
• Claim Free – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
• Bundle and Save – When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.
• Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
• Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
• Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• Safety Course Discount – Taking a defensive driving course could save 5% or more depending on where you live.
• Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
• Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.

Keep in mind that some credits don’t apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of providers with the best car insurance discounts in Winner, click here.

Comprehensive Car Insurance Comparison in Winner, South Dakota

Cutting your car insurance rates can be relatively painless. The only thing you need to do is invest a few minutes to compare rate quotes online from several insurance companies. This can be accomplished in a couple of different ways.

1. The fastest way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing repetitive form entry for every car insurance company. A single, simple form will get you rate comparisons from multiple low-cost companies.
2. A more time consuming way to analyze rates is to manually visit each individual company website to complete their respective quote request forms. For instance, let’s say you want comparison quotes from Allstate, State Farm and American Family. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

   For a list of links to insurance companies in Winner, click here.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverage information for each comparison quote. If you have higher or lower deductibles it’s not possible to decipher which rate is best in Winner.

Different people need different coverages

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining if you will benefit from professional help.

• When should I remove comp and collision on my vehicle?
• How high should my medical payments coverage be?
• Should I have combined single limit or split liability limits?
• Is my teen driver covered when they drive my company car?
• How high should my uninsured/underinsured coverage be in South Dakota?
• What is the difference between comprehensive and collision coverage?
• Can I still get insurance after a DUI?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Keep this in mind

Cheap car insurance is possible on the web and with local Winner insurance agents, so compare prices from both to have the best chance of lowering rates. Some car insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, someone dropped physical damage coverage only to regret that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

We just covered some good ideas how to save on car insurance. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as State Farm, GEICO and Nationwide.