Free Guide to Cutting Costs on Alexandria Car Insurance Online

Having to pay for overpriced car insurance can take a big chunk out of your personal savings and put the squeeze on your family's finances. Comparison shopping is a great way to lower your monthly bill.

You have so many to pick from, and although it's nice to have multiple companies, lots of choices makes it harder to compare rates.

Finding the best rates in Alexandria is not that difficult. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. Although South Dakota consumers do need to know the way insurance companies sell online and apply this information to your search.

Are you getting all your discounts?

Companies do not advertise every discount very clearly, so we took the time to find both the well known and also the lesser-known discounts you could be receiving.

No Claims - Drivers who don't have accidents can save substantially when compared to drivers who are more careless.
Paperwork-free - A few companies may give you up to $50 for buying your policy over the internet.
Multiple Cars - Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance.
Senior Citizens - If you qualify as a senior citizen, you may receive a discount up to 10%.
Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
Seat Belt Usage - Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

Shown below are a few of the "ingredients" that factor into prices.

Do you work long hours in a high stress job? - Careers like lawyers, social workers and financial analysts are shown to have higher average rates due to high stress levels and long work days. Conversely, occupations such as pilots, engineers and retirees pay the least.
Having a spouse can save you money - Having a spouse helps lower the price on car insurance. Having a significant other usually means you are more responsible and statistics show married drivers get in fewer accidents.
High deductibles save money - The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, or theft. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
Where you reside plays a part - Residing in small towns and rural areas can save you money when talking about car insurance. Urban drivers tend to have traffic congestion and much longer commute distances. Fewer people means reduced accidents.
Males pay more for insurance - Statistics have proven that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. Both sexes are in accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get more serious tickets like DUI and reckless driving.
Keep rates low by being claim-free - If you frequently file small claims, you can expect either policy cancellation or increased premiums. Companies in South Dakota generally give lower rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for the bigger claims that can't be paid out-of-pocket.

How can Progressive, Allstate and GEICO save drivers who switch?

Car insurance providers like Progressive, Allstate and GEICO consistently run ads on television and other media. They all have a common claim about savings if you change your policy. How does each company claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the right customer that earns them a profit. For example, a driver they prefer might be a mature driver, insures multiple vehicles, and has excellent credit. Any driver that hits that "sweet spot" will get very good rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be quoted higher prices and this can result in the customer not buying. The ads say "customers who switch" not "everybody who quotes" save that kind of money. This is how companies can truthfully make those claims. This emphasizes why drivers should compare many company's rates. You cannot predict which insurance companies will have the lowest rates.

For more South Dakota car insurance information

Even more information can be found at the South Dakota Division of Insurance website. Visitors are able to read industry bulletins, get help finding coverage, report car insurance fraud, and view agent and company licensing information.

Also read more on this online resource for car insurance quotes in South Dakota and this list of insurance agents in Alexandria.

Affordable insurance is out there

The cheapest car insurance can be sourced both online in addition to many Alexandria insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

While you're price shopping online, make sure you don't skimp on coverage in order to save money. There are too many instances where drivers have reduced physical damage coverage only to discover later they didn't purchase enough coverage. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.