Car Insurance in Lennox - 10 Discounts to Save Money

Are you tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than the majority of other car owners in South Dakota.

There is such a variety of to pick from, and although it's nice to be able to choose, so many choices can make it hard to compare rates.

It's important to get comparison quotes before your policy renews since rates are constantly changing. Even if you got the lowest price on your last policy you can probably find a better price now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the tricks you need to know to eliminate unnecessary coverages and save money.

More discounts equal less premium

Companies offering auto insurance don't list all their discounts very clearly, so we researched both the well known and also the lesser-known car insurance savings.

Save with a New Car - Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Discount for Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
No Claims - Claim-free drivers pay much less as compared to accident-prone drivers.
Driver Safety - Taking part in a defensive driving course could save 5% or more if your company offers it.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Payment Method - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Drive Less and Save - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
Organization Discounts - Being a member of a qualifying organization could qualify you for a break on car insurance.
Bundle and Save - If you insure your home and vehicles with the same insurance company you will save approximately 10% to 15%.

It's important to note that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you're out of luck.

To choose companies who offer car insurance discounts in South Dakota, follow this link.

Switch companies and save? Really?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads in print and on television. They all seem to say the same thing that you can save after switching your policy. How does each company claim to save you money? It's all in the numbers.

All the different companies can use profiling for the right customer that makes them money. For instance, a desirable insured might be between 25 and 40, is a homeowner, and has great credit. Any new insured who fits that profile gets the lowest rates and therefore will save when switching.

Potential customers who do not match these standards will have to pay higher prices which usually ends up with the customer not buying. The ads say "customers who switch" not "everyone that quotes" save that kind of money. That's why insurance companies can advertise the savings. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict the company that will fit your personal profile best.

Learn more today

Additional detailed information is located at the South Dakota Division of Insurance website. Visitors are able to file complaints about an insurance agent or broker, download brochures, view agent and company licensing information, and read industry bulletins.

Other informative sites include Auto Insurance 101 and this page where you can research Lennox insurance agents.

Affordable insurance is out there

When you buy insurance online, make sure you don't buy poor coverage just to save money. In many instances, an accident victim reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at the best price.

Lower-priced car insurance can be purchased both online in addition to many Lennox insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and most of the time these small, regional companies sell through independent agents.