South Dakota Car Insurance
No matter where you live in South Dakota, car insurance is required. Therefore even if you have a policy in place, you must consider it at least yearly. Review your South Dakota car insurance policy upon renewal and get at least a couple of quotes in order to compare it.
By keeping on top of your South Dakota auto insurance policy you will be confident that it is in order and that you are getting a good deal for your money. After all, who wants to pay more than they have to?
South Dakota Car Insurance Minimum Coverage Requirements
In South Dakota, the minimum state required liability coverage is referred to as 25/50/25.
No it’s not a magic formula and it doesn’t require a legal degree to decipher. This basically means:
- $25,000 bodily injury liability coverage per person injured in an at-fault accident
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability per accident
See, you’re speaking the language already. What else do you need to know?
The state also requires you to carry uninsured/underinsured motorist (also known as UM/UIM)coverage. If your car is financed, your lender will require you to carry collision and comprehensive coverage in order to protect the vehicle that they partially own.
South Dakota Car Insurance Savings Tips
When you are shopping for South Dakota car insurance you will need to provide certain information in order for companies to determine your rate. However, in addition to the rate, most companies offer discounts that will further reduce your premium. Be sure to ask the insurer if you have all the discounts that you possibly qualify for. The types of discounts offered by SD auto insurers usually include those for:
- A good driving record
- Having safety devices installed on your car
- Having theft-prevention devices
- Completing driver education courses
- Insuring multiple vehicles on the same policy
- Having more than one line of insurance with the same company
- Being a good student
- All drivers over a certain age
- Certain types of payment plans
- Belonging to certain groups
Another great way to save on your SD car insurance is to raise the deductibles that you would need to pay in case of a claim. The higher the deductible, the lower the risk you present for the company. Therefore, your premiums will be more competitive.
South Dakota Car Insurance Companies
There are a wide variety of companies offering South Dakota car insurance. Some of them include:
- Allstate
- Progressive
- Liberty Mutual
- GEICO
- Farmers
- State Farm
- AIG
No matter which SD auto insurance company you decide to go with, you should do a little checking before making the final decision. By doing an online search, you should be able to learn about the company’s customer service record. You want to find a company that is fast and fair in dealing with claims and puts customer service first.
You should also check the financial stability of any insurance company you plan to use. It is very easy to do so. You simply need to check with one of the independent insurance ratings companies, like A.M. Best, Moody’s or Standard and Poor’s. These companies give insurers a grade based on the strength of their financial assets and their ability to meet their present and future financial obligations.
South Dakota Car Insurance Quotes
Getting South Dakota car insurance quotes used to take a long time. It meant calling one company after another and answering the same set of questions each time. You could only get quotes from Monday to Friday during regular work hours; therefore you would need to spend your own work hours getting quotes. That’s all changed now.
The new way to get quotes is through free online quote tools, like the one you see at the top of this page. You only answer the standard questions once and you will get multiple quotes. You can access it any time of the day or night. You will even get quotes from companies you would probably never have called if you were getting quotes by phone.
To get started with this quick and efficient way of getting car insurance quotes simply return to the top of this page and input your zip code. You will be asked a set of questions about you, the other drivers in your home and your car. Remember to answer these questions as honestly as you would if a person were asking them. Otherwise you risk cancellation and further problems getting coverage.
Go to the quote tool above to get started on your South Dakota car insurance quote and in no time at all you’ll have a variety of rates to compare and contrast!