Easy Tips to Pay Less on Castlewood Auto Insurance

If you're new to shopping for auto insurance online, you may be overwhelmed by the vast number of auto insurance companies all offering big savings in Castlewood.

Take advantage of discounts

Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. A few discounts will automatically apply when you get a quote, but some must be manually applied before you will receive the discount. If they aren't giving you every credit you qualify for, you are throwing money away.

Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
Senior Citizens - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Low Mileage Discounts - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
Paperwork-free - Certain companies may give you up to $50 just for signing your application on their website.

Keep in mind that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, it just doesn't work that way. But any discount will cut your overall premium however.

Castlewood Rates are Influenced by These Factors

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. Understanding what influences your rates enables informed choices that will entitle you to lower auto insurance prices.

Safe vehicles cost less to insure - 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 and lower rates for you.
Cautious drivers pay less - Careful drivers receive lower rates compared to drivers with tickets. Even one speeding ticket can boost insurance rates twenty percent or more. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
Men pay higher rates - Statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Women and men tend to get into accidents at about the same rate, but the men have costlier accidents. Men also statistically receive more costly citations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
Do you need those extra coverages? - There are a ton of additional coverages that can waste your money when buying auto insurance. Coverages like roadside assistance, accident forgiveness and term life insurance may be costing you every month. These coverages may sound good at first, but if they're wasting money get rid of them and save.

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

Do I have coverage when using my vehicle for my home business?
Do I need to file an SR-22 for a DUI in South Dakota?
Should I buy additional glass protection?
Is my vehicle covered for flood damage?
Does medical payments coverage apply to all occupants?
What are South Dakota no-fault laws?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Are auto insurance companies telling the truth?

Consumers in South Dakota get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and GEICO. They all make an identical promise that you can save after switching to their company.

How do they all claim to save you money?

All companies have a certain "appetite" for the driver that earns them a profit. An example of a driver they prefer might be between 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will be quoted higher premiums and ends up with the customer not buying. The ad wording is "people who switch" not "people who quote" save that much. That is how insurance companies can advertise the way they do.

This emphasizes why drivers should compare as many rates as you can. It's impossible to know which company will provide you with the cheapest rates.

More information is available on the South Dakota Division of Insurance website through this link. Visitors are able to find disaster information, file complaints about a company, and learn about insurance regulations.

Best coverage at the best price

People change insurance companies for many reasons like unfair underwriting practices, poor customer service, denial of a claim and even delays in responding to claim requests. No matter why you want to switch, finding the right auto insurance provider is less work than it seems.

We covered some good ideas how you can reduce auto insurance prices online. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may discover the best prices are with a company that doesn't do a lot of advertising.

When shopping online for auto insurance, you should never skimp on coverage in order to save money. There have been many situations where someone dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.