Tightwads Guide to Saving on Stickney Car Insurance

I can't think of anyone who enjoys paying for car insurance, especially when they are paying too much. Having so many companies and agents to choose from, it is very difficult to pick the lowest price company.

It's important to shop coverage around occasionally because rates are constantly changing. Even if you think you had the lowest price a couple years back you can probably find a lower rate today. There is a lot of wrong information about car insurance on the internet, so I'm going to show you some great ways to find affordable car insurance.

Finding Car Insurance Deals in Stickney, SD

Most companies provide coverage price quotes online. The process is fairly simple as you just type in your coverage preferences into the quote form. When the form is submitted, their rating system will obtain reports for credit and driving violations and generates a price. This streamlines rate comparisons, but the time required to go to several different sites and type in the same information can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

A quicker way to get multiple rate quotes utilizes a single form that gets price quotes from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes online quotes much simpler. Immediately after you send the form, it gets priced with multiple companies and you can pick any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

If you want to find out how much you're overpaying now, click here and enter your information. If you have coverage now, it's recommended you replicate coverages and limits as close as possible to your current policy. This ensures you will have rate comparison quotes for similar insurance coverage.

More discounts equal less premium

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied when you get a quote, but a few must be asked about before you will receive the discount. If you don't get every credit you qualify for, you're paying more than you need to.

  • Accident Forgiveness - Some insurance companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Safety Course Discount - Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Discount for Swiching Early - Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts can receive discounts of 20% or more.
  • 55 and Retired - Mature drivers may receive a small decrease in premiums.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, you won't be that lucky. Any amount of discount will help reduce your premiums.

To see a list of companies with discount car insurance rates in South Dakota, follow this link.

It's not one size fits all

When choosing the best car insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured's situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if you would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Additional information is located on the website for the South Dakota Division of Insurance. Click here for link. Consumers can learn about insurance regulations, read consumer alerts, discover disciplinary actions, and learn about specific coverages.

Additional helpful sites include this site for South Dakota car insurance information and see this list of insurance agents in Stickney.