Buy the Cheapest Elkton Car Insurance

Paying for high-priced car insurance can empty your savings account and force you to make sacrifices. Comparison shopping is a great way to help make ends meet.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices on a regular basis because rates are constantly changing. Even if you think you had the best price last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you're about to find out how to quote online to get good coverage at a lower rate.

How much can you save with discounts?

Companies that sell car insurance 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 as well as the least known discounts you could be receiving.

  • Sign Online - Certain companies will give a small break for buying your policy digitally online.
  • Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
  • Good Student Discount - Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Clubs and Organizations - Belonging to a civic or occupational organization may earn a discount on car insurance.
  • Claim Free - Drivers who don't have accidents can save substantially as compared to drivers who are more careless.
  • Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to have a common claim about savings if you change your coverage to them. How can each company make the same claim?

All companies have a preferred profile for the type of customer that earns them a profit. For example, a desirable insured could be a mature driver, insures multiple vehicles, and drives newer vehicles. A customer that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements will have to pay a higher premium and this can result in business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully claim big savings. Because of the profiling, you should get quotes from several different companies. Because you never know which insurance companies will give you the biggest savings.

For more South Dakota car insurance information

Even more information can be found at the South Dakota Division of Insurance website. Consumers can get help finding coverage, find disaster information, file complaints about a company, and find out which companies have the most complaints.

Shop smart and save

Cheaper car insurance is attainable from both online companies as well as from independent agents in Elkton, and you need to price shop both to have the best rate selection. A few companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced physical damage coverage only to discover later that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford.