Best Cheap Insurance for a Chevrolet Traverse in South Dakota

The likelihood of finding the best cheap coverage for a Chevrolet Traverse in South Dakota relies on a complicated rating formula that uses factors such as miles driven annually, whether or not you have prior claims, and driving violations and tickets. South Dakota drivers on average will pay $770 annually for Traverse insurance, but that is an estimate that uses a 30-year-old single female that included full coverage and $1,000 physical damage deductibles.

It’s more than likely that you may not be 30 years old (or even female), married instead of single, or maybe you had a chargeable driving offense. Car insurance coverage is unique to each driver, so this is why the most reliable way to find affordable rates for your Chevrolet is to start the habit of comparing rates at least once a year.

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The trim level of your vehicle tends to have a direct impact on the coverage cost, so the price you pay to insure a Traverse LS 2WD will be $72 less expensive the price to insure the higher-priced Traverse LTZ AWD trim level, as shown in the prices below.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in garaging location in South Dakota which can affect premium rates substantially.

Selecting a highly-rated company can be challenging considering how many choices there are in South Dakota. The company rank data shown below may help you decide which auto insurance companies you want to consider when looking for cheaper rates. The rankings below are for large nationwide companies, so companies that may only write in South Dakota will not be included in this list.

Careless South Dakota drivers pay higher rates

In a perfect world, the best way to maintain the best cheap insurance for a Chevrolet Traverse in South Dakota is to be a careful driver and avoid at-fault accidents and violations. The diagram below shows how traffic citations and at-fault collisions drive up car insurance costs for different age groups. The information is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

The data above shows the average cost of auto insurance per year with no violations or accidents is $1,367. Get written up for one speeding ticket and the average cost jumps to $1,540, an increase of $173 each year. Now add two accidents along with the one speeding ticket and the annual cost of auto insurance for a Chevrolet Traverse jumps again to an average of $3,111. That’s an increase of $1,745, or $145 per month, just for not maintaining a clean driving record!

How to get discounts on South Dakota insurance rates

Insurance companies that provide the best cheap insurance for a Chevrolet Traverse in South Dakota may provide policy discounts that can lower rates by 25% or more if you are eligible to receive them. Companies and their possible discounts are detailed below.

• GEICO policyholders can earn discounts including seat belt use, federal employee, multi-vehicle, driver training, good student, daytime running lights, and defensive driver.
• MetLife offers discounts for claim-free, good student, defensive driver, good driver, accident-free, multi-policy
• Progressive may offer discounts for homeowner, online quote discount, good student, multi-vehicle, and online signing.
• Travelers includes discounts for payment discounts, driver training, home ownership, IntelliDrive, and save driver.
• SAFECO has discounts for drive less, anti-theft, homeowner, teen safe driver, anti-lock brakes, and accident prevention training.
• AAA may have discounts that include good student, multi-car, AAA membership discount, multi-policy, good driver, and anti-theft.

The diagram below compares auto insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, a clean driving record, no at-fault accidents, South Dakota state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, passive restraint, multiple vehicle, accident-free, claim-free, and defensive driving course discounts applied. With discounts applied, the the average amount saved on auto insurance for a Chevrolet Traverse is 27% or $484.

How to find the best cheap insurance for a Chevrolet Traverse in South Dakota

The list below summarizes some of the recommended penny-pinching solutions that can help South Dakota drivers quote the cheapest auto insurance.

• Do not get into accidents
• Higher physical damage deductibles lower rates
• Just one traffic violation will increase your rates
• Save money by staying claim-free
• Drop full coverage on older vehicles
• Comparison shop at least once a year

The last item on the list is notably valuable, as we hit on in the prior information. Coverage rates can change significantly in a year, so don’t be tentative to switch to a new company if a more affordable price is available. Staying with the same car insurance company is fine, but it’s not a good idea if that faithfulness ends up costing you lots of hard earned cash every month. In less than five minutes you could shop around to find cheaper auto insurance for a Chevrolet Traverse.

Who has the cheapest Chevrolet Traverse insurance quotes?

Drivers have a lot of different ways to compare cheaper auto insurance rates in South Dakota, but the most preferred methods are from an exclusive insurance agency like State Farm or Liberty Mutual, an independent or non-exclusive agent, or direct from companies such as Geico or Progressive. Each way has the same basic process, but buyers need to know the differences in how they give price quotes.

Independent insurance agencies can place your business with multiple companies and can compare rates with every one. These types of agencies will give you more rate choices, which can give you the best idea of how your rates compare. If you want to switch companies, an independent agent can move your coverage which prevents you from having to find an new insurance agent.

An exclusive agent is able to place business with just one company, a couple examples are an Allstate or State Farm agent. These agents usually cannot provide other companys’ prices, so it’s a good idea to get additional price quotes.

Buying auto insurance direct means you do not use a local insurance agent and buy from a direct company like Progressive. This auto insurance option may be the best choice consumers who do not need advice for risk management and have some degree of understanding of what coverages they need.

So which method is best for finding the best cheap insurance for a Chevrolet Traverse in South Dakota? We wish we could say shopping direct results in the cheapest rates since there is no need to pay agent commissions, but that turns out to not be true. We’d also like to say using an independent agent is the best way due to increased selection, but again, it’s not a sure thing. And often times, exclusive agencies have very competitive rates that are impossible to beat.

Due to that fact that auto insurance uses so many rating variables, the guaranteed way to get rock-bottom rates is to compare lots of quotes. If time allows, get rate quotes from independent agents, exclusive agents, and direct companies to get an idea of which is cheapest. For a list of companies with cheap rates in South Dakota, click here to view.

Best rates: Progressive, State Farm, Geico, or Allstate

If you’re looking for the cheapest auto insurance, four of the best places to start are Progressive, State Farm, Geico, and Allstate. They all have the same basic coverages, but each one has unique features and discounts that shoppers can select from. The table below ranks ratings for price and service, as well as some optional coverages .