Tightwads Guide for Saving on Bowdle Auto Insurance

I can't think of anyone who looks forward to paying for auto insurance, particularly when they are paying too much.

Popular companies such as GEICO and Progressive constantly blast consumers with catchy ads and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to shop coverage around occasionally because prices are constantly changing. Even if you got the best rates a few years ago the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about auto insurance online but we're going to give you some great ways to save money.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. Finding the best rates in Bowdle is quite easy. Nevertheless, South Dakota consumers do need to know the way companies price online insurance.

These discounts can lower your rates

Companies that sell car insurance don't always list every available discount in a way that's easy to find, so the following is a list of both the well known and the harder-to-find ways to save on auto insurance.

Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Multi-policy Discount - When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
E-sign - A few companies may give you up to $50 simply for signing digitally online.
Low Mileage - Driving fewer miles could qualify for better rates on cars that stay parked.
Memberships - Being a member of a civic or occupational organization could trigger savings on your policy.
Homeowners Savings - Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
Drivers Ed for Students - Have your child take driver's ed class in school.
Payment Discounts - If paying your policy premium upfront instead of paying each month you could save up to 5%.

Consumers should know that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, companies don't profit that way.

To see a list of providers offering auto insurance discounts in Bowdle, click this link.

Bowdle Auto Insurance Quote Comparison

Most companies quote coverage price quotes on their websites. This process is fairly simple as you simply enter your coverage preferences as detailed in the form. Once you submit the form, the system will obtain credit information and your driving record and gives you a price quote. Online quotes streamlines rate comparisons, but the process of having to visit several different sites and type in the same information is repetitive and time-consuming. But it's very important to do this if you are searching for better auto insurance pricing.

The preferred way to get multiple rate quotes uses one form to return rates from a lot of companies. The form is fast, eliminates form submissions, and makes quoting online much easier to do. As soon as you send your information, it is quoted and you can choose your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It can be completed in a matter of minutes and may result in a nice savings.

To find out what other companies charge, click here to open in new window and submit the form. If you have your current policy handy, we recommend you input the limits and deductibles identical to your current policy. This makes sure you will receive rate comparison quotes based on the exact same insurance coverage.

Tips to Get Lower Bowdle Rates

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Listed below are some of the items used by your company to calculate your rates.

High credit ratings translate to low rates - Your credit score is a huge factor in determining your rates. If your credit score is lower than you'd like, you could pay less to insure your by improving your credit score. People with high credit ratings tend to be more responsible than drivers with poor credit.
Consolidate policies to earn discounts - Most auto insurance companies give discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it's in your best interest to compare rates to verify if the discount is saving money.
Being married can save on auto insurance - Getting married can actually save you money on your auto insurance policy. Marriage translates into being more mature and responsible it has been statistically shown that married couples file fewer claims.
Drive a safer car and pay less - Vehicles with high crash test scores tend to have better insurance rates. Safer cars protect occupants better and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders.

Different people need different coverages

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Every insured's situation is different so this has to be addressed. For instance, these questions might point out whether you might need an agent's assistance.

Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when driving in Canada or Mexico?
Does my personal policy cover me when driving my company car?
Is my nanny covered when driving my vehicle?
Are rental cars covered under my policy?
Is my vehicle covered for flood damage?
Does my policy cover my teen driver if they drive my company car?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Are you falling for claims of savings?

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads make the same claim of big savings if you switch your coverage to them. How can each company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the type of customer that is profitable for them. A good example of a preferred risk might be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will get the preferred rates and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements will be charged a higher premium which leads to the customer not buying. The ads state "drivers who switch" not "everybody who quotes" save that much money. That is how insurance companies can confidently advertise the way they do. That is why drivers must get quotes from several different companies. It's impossible to know which company will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

When shopping online for auto insurance, it's a bad idea to reduce coverage to reduce premium. Too many times, an insured cut collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Cost effective auto insurance can be found both online as well as from independent agents in Bowdle, and you should compare price quotes from both to have the best selection. Some auto insurance companies don't offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

For more South Dakota car insurance information

More tips and info about auto insurance can be read at the South Dakota Division of Insurance website. Visitors are able to find out industry alerts, read consumer alerts, get help finding coverage, and find disaster information.