Proven Techniques to Save on Platte Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, many Platte consumers feel financially strained by their car insurance policy.

Consumers have many to buy insurance from, and although it's nice to have a selection, it can be more difficult to compare rates.

Finding affordable coverage in Platte is easy if you know what you're doing. If you currently have a car insurance policy, you will be able to save some money using this information. But South Dakota car owners do need to know the way companies price online insurance and take advantage of how the system works.

Compare Quotes for Platte Car Insurance

The are a couple different ways to compare quotes from car insurance companies in your area. The best method to find the cheapest insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

  • The recommended way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating repetitive form entry for each company you want a rate for. Filling out one form compares rates direct from many companies.
  • Another way to shop for car insurance online is going to the website of each company to complete a price quote. For instance, we'll pretend you want to compare rates from , and . To get each rate you have to go to every website and enter your information, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Platte, click here.
  • The most time-consuming method to compare rates is to waste gas driving to different agent offices. Buying insurance online has reduced the need for local agents unless you have a need for the personal advice that only a license agent can provide. It is possible to get the lowest quotes online but buy from a local insurance agent and we'll talk about that later.

Whichever method you choose, ensure you are comparing identical coverage limits and deductibles with each company. If you are comparing different liability limits it will be very difficult to make an equal comparison in Platte. Slightly different insurance coverages may result in a large different in cost. Just remember that getting more free quotes helps locate the best rates.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always list every discount very clearly, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

  • No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy qualifies for this discount.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • New Car Discount - Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Discount for Good Grades - A discount for being a good student can earn a discount of 20% or more. The discount lasts until age 25.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase life insurance.
  • Paperwork-free - A few companies will give a small break for buying a policy and signing up over the internet.
  • No Charge for an Accident - Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
  • Drivers Education - Have your child successfully complete driver's ed class in school.
  • Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.

Drivers should understand that some credits don't apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn't make money that way.

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

Learn more about South Dakota car insurance

More detailed South Dakota car insurance information is available at the South Dakota Division of Insurance website. Consumers can read industry bulletins, report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.