Comparison Shop Sisseton Auto Insurance Prices With These Tricks

Buying the cheapest Sisseton auto insurance online is intimidating for consumers new to buying insurance online. Since there are so many online companies available, how can you possibly compare the different rates to find the lowest price?

It's important to do rate comparisons on a regular basis because insurance rates are constantly changing. Just because you had the best deal last year a different company probably has better rates today. Starting now, ignore everything you know about auto insurance because you're about to learn the proper way to remove unneeded coverages and save money.

Buying the lowest cost coverage in Sisseton is simple if you know the tricks. Basically, anyone who carries auto insurance should be able to lower their premiums. Although South Dakota drivers do need to know how the larger insurance companies sell insurance online and take advantage of how the system works.

Save big with these discounts

Car insurance is not cheap, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically when you quote, but some must be asked for before you get the savings.

Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Accident Waiver - Certain companies allow you one accident before your rates go up if you are claim-free for a certain period of time.
Good Student Discount - Performing well in school can save 20 to 25%. The discount lasts until age 25.
Save over 55 - If you qualify as a senior citizen, you may qualify for reduced rates.
Defensive Driver - Taking a course in driver safety could cut 5% off your bill if you qualify.
Multi-policy Discount - If you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
Government Employees - Active or retired federal employment can earn a discount up to 10% with certain companies.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will bring down your overall premium however.

Why some people pay less for insurance in Sisseton

Smart consumers have a good feel for the factors that go into determining the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that can help you get better auto insurance rates.

Bundling policies can get discounts - Most insurance companies give discounts to customers who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount it's still a good idea to compare other company rates to make sure you are getting the best deal.
Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that women are better drivers. Men and women tend to get into accidents at about the same rate, but men cause more damage. Men also get more serious tickets such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
Traffic violations increase rates - Even a single speeding ticket can increase rates twenty percent or more. Good drivers get better rates than bad drivers. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state DMV in order to continue driving.
Extra add-on coverages are wasting money - There are many add-on coverages you can purchase on your auto insurance policy. Coverages for roadside assistance, better glass coverage and motor club memberships are some examples. These may sound like a good investment initially, but if you don't need them eliminate them to save money.
Your occupation can affect rates - Did you know that where you work can have an impact on rates? Occupations like doctors, social workers and financial analysts tend to pay higher average rates due to high stress levels and long work hours. Conversely, professions such as pilots, engineers and homemakers have the lowest average rates.
Small claims can cost you - Insurance companies in South Dakota generally give lower rates to insureds who file claims infrequently. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Car insurance is designed for the bigger claims that can't be paid out-of-pocket.

Auto insurance ads bend the truth

Companies like Allstate and Progressive constantly bombard you with ads on TV and radio. All the ads have a common claim about savings if you switch to them. How does each company make almost identical claims? It's all in the numbers.

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a preferred risk could possibly be between the ages of 40 and 55, insures multiple vehicles, and has great credit. A driver that hits that "sweet spot" will qualify for the lowest rates and most likely will save when switching.

Drivers who fall outside these standards will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is "customers who switch" not "people who quote" save money. This is how companies can truthfully advertise the savings.

That is why drivers should get a wide range of price quotes. It is impossible to predict which insurance companies will give you the biggest savings.

Additional information is available on the South Dakota Division of Insurance website found here. South Dakota consumers can read consumer alerts, learn about insurance regulations, and file complaints about a company.

Shop smart and save

As you prepare to switch companies, it's very important that you do not skimp on coverage in order to save money. Too many times, drivers have reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

The cheapest auto insurance is available online and with local Sisseton insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

In this article, we presented a lot of ways to reduce auto insurance prices online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from a small mutual company.