Easy Methods to Pay Less on Redfield Car Insurance

If online car insurance comparisons are new to you, you may be overwhelmed by the vast number of car insurance companies competing for business in Redfield.

Finding affordable coverage in Redfield is quite easy. If you are insured now or need new coverage, you can follow these tips to find better prices while maintaining coverages. South Dakota drivers only need an understanding of the best way to compare rates online.

Policy discounts you shouldn't miss

Companies that sell car insurance do not list every discount very well, so the following is a list of both the well known as well as the least known savings tricks you should be using. If you don't get every credit you qualify for, you're paying more than you need to.

Service Members Pay Less - Being on active duty in the military can result in better rates.
Passive Restraint Discount - Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
Anti-lock Brake System - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
Distant Student - Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
Accident Forgiveness - Some insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
Good Student - A discount for being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.
Senior Citizens - Mature drivers can possibly qualify for better car insurance rates.

Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, companies don't profit that way.

To see a list of insurance companies with the best car insurance discounts in South Dakota, click here to view.

Car Insurance Comparison Rates in Redfield, SD

Finding cheaper car insurance prices doesn't have to be difficult. Consumers just need to take a couple of minutes getting comparison quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

The best way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form eliminates the need for separate forms for every car insurance company. Just one form gets you coverage quotes from several companies. This is by far the quickest method.
A slightly less efficient method to shop for car insurance online consists of going to the website of each company and request a quote. For sake of this example, let's assume you want to compare , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why the first method is more popular.

For a list of links to companies insuring cars in Redfield, click here.

It's up to you which method you use, but be sure to compare apples-to-apples coverages with every price quote. If each company quotes different limits and deductibles on each one it's not possible to find the best deal in Redfield.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that will entitle you to lower car insurance prices.

Choose a safe vehicle and save - Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates.
Poor credit can mean higher rates - Having a bad credit rating is a important factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit ratings. If your credit score can use some improvement, you could pay less to insure your by improving your rating.
Frequent car insurance claims increase rates - If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Companies in South Dakota award discounts to policyholders who are claim-free. Auto insurance is intended for larger claims.
Bundling policies can get discounts - The majority of insurers provide better rates to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare rates to ensure the best deal.

Insurance agents can help

When choosing coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

Do I have coverage when using my vehicle for my home business?
Should I drop comprehensive coverage on older vehicles?
Am I covered if I drive in a foreign country?
Do I need PIP (personal injury protection) coverage in South Dakota?
Why does it cost so much to insure a teen driver in Redfield?
Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Save $429 a year? Really?

Consumers in South Dakota can't get away from ads for cheaper car insurance by State Farm, Allstate and GEICO. They all make an identical promise of big savings if you move to their company.

But how can every company claim to save you money?

All companies have a certain "appetite" for the driver that is profitable for them. A good example of a driver they prefer might be between the ages of 40 and 55, a clean driving record, and has great credit. Any driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will be quoted a more expensive rate and ends up with the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently advertise the savings. This emphasizes why drivers must get quotes from several different companies. You cannot predict which company will give you the biggest savings.

Best coverage at the best price

People who switch companies do it for a number of reasons such as unfair underwriting practices, poor customer service, extreme rates for teen drivers or policy cancellation. No matter why you want to switch, choosing a new insurance company is actually quite simple.

We just presented some good ideas how you can compare car insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from the least-expected company.

As you prepare to switch companies, do not reduce coverage to reduce premium. There have been many situations where someone dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.

Additional South Dakota consumer information

More tips and info about car insurance can be read at the South Dakota Division of Insurance website. Visitors are able to find disaster information, find out industry alerts, and download brochures.

Additional helpful sites include this page for car insurance prices in South Dakota and this page of Redfield insurance agents.