Free Guide to Paying Less for Rapid City Auto Insurance Online

Scraping up a payment for overpriced auto insurance can drain your personal savings and make it hard to pay other bills. Comparison shopping is a great way to lower your monthly bill.

Big-name insurance companies like State Farm, Progressive and GEICO constantly bombard you with advertising and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

You should take the time to take a look at other company’s rates before your policy renews since insurance rates fluctuate regularly. Just because you found the lowest price a year ago there may be better deals available now. You’ll find quite a bit of inaccurate information about auto insurance online, so by reading this article, you’re going to learn a lot of great tips on how to quit paying high auto insurance rates.

Free Quotes for Auto Insurance in Rapid City, SD

To find the best auto insurance prices, there are several ways of comparing price quotes from local in Rapid City, SDauto insurance companies. One of the best ways to find competitive insurance rates is to get quotes online. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for separate forms to each individual auto insurance company. One simple form will return price quotes from many national carriers.
  2. A harder way to get comparison quotes is going to each company website to request a price quote. For instance, let’s assume you want comparison quotes from USAA, Allstate and Farmers. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in Rapid City, click here.

Which method you use is up to you, but make sure you use apples-to-apples coverages for each price quote. If you enter different values for each quote it’s impossible to decipher which rate is best in Rapid City. Quoting even small variations in coverages can make a big difference in price. And when comparison shopping, comparing a large number of companies helps you find a lower rate.

Cut your premium with discounts

Companies don’t list all available discounts in an easy-to-find place, so we break down both well-publicized as well as the least known ways to save on auto insurance.

  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • College Student – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • 55 and Retired – Older drivers can possibly qualify for a small decrease in premiums.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% with certain companies.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Just because you may think you could get a free auto insurance policy, it doesn’t quite work that way.

For a list of companies who offer auto insurance discounts in South Dakota, follow this link.

What is the best insurance coverage?

When choosing the best auto insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine if you would benefit from an agent’s advice.

Rapid City insurance comparisons

  • Who is covered when they drive my vehicle?
  • Where can I get insurance after a DUI in South Dakota?
  • Am I covered when driving someone else’s vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is covered by UM/UIM coverage?
  • When does my teenage driver need to be added to my policy?
  • Is my nanny covered when driving my vehicle?
  • Should I buy more coverage than the required South Dakota minimum liability coverage?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Additional detailed information is located at the South Dakota Division of Insurance website. Consumers can read consumer alerts, read industry bulletins, and read enforcement actions against agents and companies.