Top 7 Ways You Can Buy Car Insurance for Less in Crooks

I can't think of anyone who cherishes buying car insurance, particularly when the price is too high. Consumers have many to buy insurance from, and although it's nice to have a selection, it can be more difficult to compare rates.

It's important to compare rates periodically since rates are constantly changing. Just because you found the best deal on your last policy you can probably find a lower rate today. So just forget anything you know (or think you know) about car insurance because we're going to show you the proper way to properly buy coverages and cut your premium.

Crooks Car Insurance Comparisons

Most companies like State Farm, GEICO and Progressive allow you to get prices directly from their websites. Getting quotes is quite easy as you just type in your personal and coverage information into the quote form. When the form is submitted, the system will obtain information on your driving record and credit history and returns a price quote based on these factors. Quoting online simplifies rate comparisons, but the process of having to visit several different sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to perform this step in order to find a lower rate.

There is a better way!

A quicker way to compare rates is to use a quote form that gets price quotes from several companies at one time. It's a real time-saver, requires much less work on your part, and makes online price comparison much more enjoyable. After sending your information, it is rated and you can select any one of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process only takes a few minutes and may save quite a bit of money.

To find out how much you're overpaying now, click here and complete the simple form. If you have a policy now, it's recommended you duplicate your coverages as shown on your current policy. This ensures you're receiving comparison quotes for similar insurance coverage.

More discounts equal less premium

Companies offering auto insurance don't always list all their discounts very clearly, so here is a list both the well known and the harder-to-find discounts you could be receiving. If you're not getting every credit you qualify for, you're paying more than you need to.

Accident Forgiveness - Certain companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Good Student - A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
Sign Online - Some insurance companies may give you up to $50 just for signing your application over the internet.
Life Insurance Discount - Some companies give a discount if you purchase life insurance from them.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Multiple Vehicles - Having multiple vehicles on the same car insurance policy qualifies for this discount.
Save with a New Car - Insuring a new car can be considerably cheaper compared to insuring an older model.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn't work that way.

To see a list of companies who offer car insurance discounts in South Dakota, click here.

It's not one size fits all

When choosing proper insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is unique and your policy should reflect that. Here are some questions about coverages that may help highlight if you might need professional guidance.

Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in South Dakota?
Does my liability insurance cover pulling a trailer or camper?
I have good health insurance, so how much medical payments coverage do I need?
When does my teenage driver need to be added to my policy?
What is the difference between comprehensive and collision coverage?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Additional detailed information is available at the South Dakota Division of Insurance website. Visitors are able to learn about insurance regulations, file complaints about a company, get help finding coverage, and view agent and company licensing information.