Car Insurance in Aberdeen - 9 Discounts to Save Money

I can't think of anyone who looks forward to paying for car insurance, especially when the cost is way too high. Big companies like GEICO and Progressive persitently shower you with fancy advertisements and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It's important to price shop coverage occasionally since rates are constantly changing. Even if you got the best price last year there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you're about to find out the tricks you need to know to find the best coverage while lowering your premiums.

If you have a current car insurance policy or need a new policy, you will benefit by learning to shop for the lowest rates and still get good coverage. Finding the best rates in Aberdeen is not that difficult. South Dakota consumers only need to know the most efficient way to buy car insurance over the internet.

Automobile Insurance Quotes in Aberdeen, SD

All major car insurance companies provide coverage price quotes on their websites. Getting quotes doesn't take a lot of time as you just type in your coverage preferences as detailed in the form. After the form is submitted, their rating system will obtain your driving and credit reports and returns pricing information based on these and other factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit several different sites and complete many quote forms is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find the best price on car insurance.

The preferred way to get multiple rate quotes is to use a quote form that obtains quotes from several different companies. The form is fast, eliminates repetitive work, and makes quoting online much more efficient. Immediately after submitting the form, it gets priced and you can select your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and submit the form. If you currently have coverage, we recommend you type in the coverage information as close as possible to your current policy. This makes sure you will receive comparison quotes for the exact same coverage.

Are you getting all your discounts?

Companies don't always advertise all their discounts in a way that's easy to find, so we took the time to find some of the more common and the harder-to-find ways to save on car insurance. If you aren't receiving every discount you qualify for, you are paying more than you should be.

Bundle and Save - If you insure your home and vehicles with one insurance company you may earn at least 10% off all policies.
Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
New Car Discount - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Federal Employees - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
Payment Method - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
Organization Discounts - Belonging to a civic or occupational organization could trigger savings on car insurance.
Sign Online - A few companies will give a small break for buying your policy digitally online.
Drive Less and Save - Fewer annual miles can earn better rates on cars that stay parked.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you won't be that lucky.

To choose companies who offer car insurance discounts in Aberdeen, click this link.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers can't ignore all the ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. They all seem to make the same claim about savings after switching your policy.

How can each company make the same claim? This is how they do it.

Insurance companies have a certain "appetite" for the right customer that makes them money. For example, a desirable insured could be between the ages of 30 and 50, owns a home, and drives newer vehicles. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will have to pay a more expensive rate which leads to business going elsewhere. The ad wording is "drivers who switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully claim big savings. Because of the profiling, you need to compare many company's rates. It's just too difficult to predict which company will give you the biggest savings.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's situation is unique so this has to be addressed. For instance, these questions might point out whether you might need an agent's assistance.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Can I still get insurance after a DUI?
Am I covered if I drive in a foreign country?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Are my tools covered if they get stolen from my vehicle?
Who is covered when they drive my vehicle?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Even more information can be found at the South Dakota Division of Insurance website. Consumers can view agent and company licensing information, find out industry alerts, file complaints about an insurance agent or broker, and download brochures.

And the best car insurance company is...

When trying to cut insurance costs, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured cut physical damage coverage only to discover later that it was a big mistake. The ultimate goal is to get the best coverage possible for the lowest price.

The cheapest car insurance can be purchased from both online companies in addition to many Aberdeen insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.