9 Tips Shown to Lower Car Insurance Costs in Sturgis, SD

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you you're not the only one. You have multiple to buy insurance from, and even though it's nice to have a choice, having more makes it harder to compare rates.

Be sure to get all your discounts

Companies that sell car insurance don't necessarily list all available discounts very clearly, so the following is a list of some of the more common and also the lesser-known car insurance savings. If you're not getting every credit possible, you're just leaving money on the table.

Club Memberships - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
Federal Government Employee - Simply working for the federal government can save as much as 8% depending on your company.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
New Car Discount - Insuring a new car can save up to 30% since new cars are generally safer.
Sign Early and Save - Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
No Charge for an Accident - Certain companies allow you one accident without raising rates so long as you haven't had any claims prior to the accident.
Accident Free - Drivers with accident-free driving histories pay less when compared with frequent claim filers.
Homeowners Discount - Owning a home in Sturgis may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
Auto/Home Discount - When you have multiple policies with one company you may save up to 20% off your total premium.

It's important to note that most credits do not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, you're out of luck.

For a list of insurers with the best car insurance discounts in South Dakota, follow this link.

How to Compare Car Insurance Quotes in Sturgis, South Dakota

There are several ways to compare car insurance prices and some are more efficient than others. You can waste hours talking about coverages with insurance agencies in Sturgis, or you could use online quotes to quickly compare rates.

Most car insurance companies take part in a program that allows shoppers to send in one quote, and at least one company returns a rated price based on the submitted data. This eliminates the need for quote requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is you are unable to specify the companies you want pricing from. If you prefer to choose specific providers to compare rates, we have assembled a list of companies who write car insurance in South Dakota. View list of South Dakota insurance companies.

It doesn't matter which method you choose, just ensure you are comparing identical coverages for each comparison quote. If you enter different limits and deductibles on each one then you won't be able to determine the lowest rate in Sturgis.

And the best car insurance company is...

Lower-priced car insurance is definitely available from both online companies and with local Sturgis insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed full coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.