Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Believe me when I say you’re not alone.
Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurers to get the best rate
If you currently have car insurance, you should be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you in Brookings is not that difficult. Nevertheless, South Dakota consumers must understand how companies market insurance on the web and take advantage of how the system works.
Auto insurance companies don’t always advertise all available discounts in an easy-to-find place, so we break down some of the more common and also the lesser-known ways to save on auto insurance.
It’s important to note that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.
To choose providers who offer auto insurance discounts in South Dakota, click here.
An important part of buying insurance is that you know the factors that help determine auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get big savings.
The following are some of the items used by your company to calculate your rates.
A small number of people prefer to buy from a local agent and that is a personal choice. One of the great benefits of getting online price quotes is you may find lower rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), your information is instantly submitted to agents in your area who will return price quotes to get your business. There is no reason to drive around because quoted prices will be sent directly to your email. Now that’s easy! You can find the lowest rates AND an agent nearby.
Picking an insurer requires more thought than just a low price. These are valid questions to ask:
When finding a local agent, there are two different agency structures that you can select. Agencies in Brookings can either be independent or captive.
These agents write business for a single company such as State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so keep that in mind. They are very knowledgeable on their products and sales techniques and that can be a competitive advantage.
Listed below are Brookings captive agencies who may provide you with comparison quotes.
Allstate Insurance Co – 1451 6th St # B – Brookings, SD 57006 – (605) 692-8198
State Farm Insurance – 511 6th St – Brookings, SD 57006 – (605) 692-8383
Farm Bureau – 601 4th St # 3 – Brookings, SD 57006 – (605) 692-4343
Independent insurance agents do not work for one specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When comparing rates, we recommend you get quotes from at least one independent agent to get the best comparison.
Below are independent insurance agents in Brookings who can help you get price quotes.
Harry Mansheim Insurance – 511 Main Ave – Brookings, SD 57006 – (605) 692-6225
Santema Agency – 101 Main Ave – Brookings, SD 57006 – (605) 692-9484
Swenning Insurance – 307 6th St – Brookings, SD 57006 – (605) 692-7799
Sutton Agency – 410 5th St – Brookings, SD 57006 – (605) 692-6735
Sterling Agency Insurance – 706 Main Ave S – Brookings, SD 57006 – (605) 692-3027
To view a full list of Brookings insurance agents, click here to link.
After receiving reasonable responses to your questions and an acceptable price quote, you’ve probably found an auto insurance agent that can adequately provide auto insurance.
Auto insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim that you can save after switching your coverage to them. How do they all claim to save you money?
All companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a desirable insured could be over the age of 40, has no driving citations, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and therefore will save when they switch companies.
Potential insureds who fall outside the requirements will be charged more money and this can result in business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully make the claims of big savings. That is why it’s extremely important to quote coverage with many companies. It’s impossible to know which auto insurance company will have the lowest rates.
Additional detailed information can be found at the South Dakota Division of Insurance website. Consumers can file complaints about an insurance agent or broker, learn about specific coverages, and learn about insurance regulations.
Additional helpful sites include Auto Insurance 101 and this resource to find Brookings, SD insurance agents.
When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, an insured cut liability coverage limits and discovered at claim time that it was a big error on their part. The ultimate goal is to buy enough coverage at a price you can afford.
Cheap auto insurance is definitely available on the web in addition to many Brookings insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.