7 Discounts Kimball Shoppers Forget when Buying Car Insurance

No one looks forward to paying for car insurance, particularly when they are paying too much.

Companies like State Farm, Allstate, GEICO and Progressive continually hit you with TV and radio ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to check car insurance prices periodically since rates are constantly changing. If you had the best rates last year there is a good chance you can find better rates now. There is a lot of bad advice regarding car insurance online, so I'm going to show you some great ways to reduce your car insurance bill.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Kimball is easy if you know what you're doing. But South Dakota consumers do need to know how the larger insurance companies determine prices.

Kimball Car Insurance Comparisons

All major car insurance companies give prices for coverage online. Getting quotes is fairly straightforward as you just type in your personal and coverage information into the quote form. After the form is submitted, the system will obtain your driving record and credit report and returns a price determined by many factors. Online quotes makes comparing rates easy, but having to visit many different websites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to do this in order to get a lower rate.

The easy way to compare rates

The preferred way to compare rates is to use a quote form that gets price quotes from many companies. It's a real time-saver, requires less work, and makes price shopping online a little more enjoyable. Immediately after submitting the form, your coverage is rated and you are able to buy your choice of the resulting price quotes. If the quotes result in lower rates, it's easy to complete the application and purchase coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out how much you're overpaying now, click here and submit your coverage information. If you have your current policy handy, we recommend you input just like they are on your policy. This makes sure you will get rate quotes for the exact same coverage.

More discounts equal less premium

Companies that sell car insurance don't always publicize all their discounts in a way that's easy to find, so the following is a list of both the well known and the more hidden savings tricks you should be using.

Save with a New Car - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
Air Bag Discount - Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
Bundle and Save - If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
Good Student - This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
Sign Online - Certain companies may give you up to $50 for buying a policy and signing up digitally online.

Drivers should understand that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way.

To choose companies with the best car insurance discounts in Kimball, click here to view.

Switch companies and save? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to make an identical promise that you'll save big if you move to them. How can each company claim to save you money?

All companies have a certain "appetite" for the type of driver that makes them money. A good example of a desirable insured might be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. Any new insured who meets those qualifications will get very good rates and therefore will save when they switch companies.

Consumers who do not match the requirements will have to pay higher rates and ends up with the customer not buying. The ads say "people who switch" not "everyone that quotes" save money. That is how companies can claim big savings. Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

It's not one size fits all

When buying coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different so your insurance should reflect that Here are some questions about coverages that may help highlight if you will benefit from professional help.

Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?
Are my tools covered if they get stolen from my vehicle?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in South Dakota?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

More detailed South Dakota car insurance information can be read at the South Dakota Division of Insurance website. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, download brochures, and view a list of available companies.

Final considerations

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. There are many occasions where someone dropped collision coverage and discovered at claim time that it was a big mistake. Your aim should be to find the BEST coverage at an affordable rate.

We just covered many tips how you can compare car insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from an unexpected company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as .