How to Know You're Wasting Money for Auto Insurance in Hecla

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are many people just like you. Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It's important to check auto insurance prices every six months because prices are constantly changing. Even if you got the best price two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out the tricks you need to know to lower your rates without sacrificing coverage.

Hecla auto insurance quote

How to Compare Auto Insurance in Hecla, South Dakota

There are several ways to compare auto insurance prices but there is one way that is less time-consuming than others. You can spend countless hours talking to insurance companies in Hecla, or you could save time and use the web to get rates in a matter of minutes.

The majority of car insurance companies participate in an industry program that allows shoppers to send in one quote, and every company can give them a price based on that data. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

One minor caviat to using this type of form is you cannot specify the providers you want to price. If you prefer to choose from a list of companies to compare rates, we put together a list of auto insurance companies in South Dakota. Click to view list.

It's up to you which method you use, but ensure you are comparing exactly the same information with each company. If you have higher or lower deductibles it's not possible to make an equal comparison in Hecla.

How much can you save with discounts?

Car insurance is not cheap, but there are discounts available to reduce the price significantly. Some trigger automatically at the time of quoting, but less common discounts must be specially asked for before you will receive the discount. If you aren't receiving every discount possible, you're paying more than you need to.

  • Theft Prevention Discount - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Method - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Homeowners Discount - Being a homeowner can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Discount for Good Grades - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To see a list of providers who offer auto insurance discounts in Hecla, click here to view.

Learn more about South Dakota auto insurance

Additional information can be found on the website for the South Dakota Division of Insurance located here. South Dakota consumers can read consumer alerts, report car insurance fraud, file complaints about an insurance agent or broker, and view a list of available companies.