Top 8 Ways to Get Lower Rates on Car Insurance in Yankton, SD

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, many Yankton consumers feel financially strained by their car insurance policy.

Having so many online and local companies to choose from, it's nearly impossible to pick the lowest price provider.

Don't pay full price with these eight discounts

Properly insuring your vehicles can get expensive, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but some must be specifically requested before you get the savings.

  • No Claims - Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
  • Memberships - Being a member of a professional or civic organization could trigger savings when shopping for car insurance.
  • Safety Course Discount - Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Driver's Ed - Have your child successfully complete driver's ed class if offered at their school.
  • Homeowners Discount - Simply owning a home may earn you a small savings because maintaining a house requires personal responsibility.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you could save 5% or more.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like it's possible to get free car insurance, car insurance companies aren't that generous. Any amount of discount will help reduce your premiums.

To see a list of insurance companies with discount car insurance rates in South Dakota, click this link.

Comprehensive Yankton Car Insurance Comparison

Performing a rate comparison can be challenging if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in Yankton, or you can stay home and use the internet for quick rates.

Many insurance companies participate in a marketplace that enables customers to send in one quote, and each participating company returns a competitive quote. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only downside to comparing rates this way is buyers cannot specifically choose which carriers to get quotes from. If you prefer to choose specific providers to request quotes from, we put together a list of the cheapest car insurance companies in South Dakota. Click here to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples coverage limits on every quote you get. If you are comparing differing limits it will be very difficult to determine which rate is truly the best in Yankton. Having just a slight variation in coverages could mean much higher rates. Just remember that having more price comparisons gives you a better chance of getting better pricing.

The car insurance bait and switch

Car insurance providers like Progressive, Allstate and GEICO consistently run ads in print and on television. They all make the same claim about savings if you change your policy. But how can every company claim to save you money? This is how they do it.

All companies are able to cherry pick for the right customer that is profitable for them. An example of a driver they prefer might be between the ages of 40 and 55, has no driving citations, and has excellent credit. Any new insured who matches those parameters gets the lowest rates and therefore will save a lot of money.

Drivers who don't measure up to this ideal profile will be quoted a higher premium which leads to the customer not buying. Company advertisements say "drivers who switch" not "everyone that quotes" save that kind of money. That's the way companies can truthfully make those claims.

This emphasizes why drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.

Affordable insurance is out there

Cheap car insurance is attainable both online in addition to many Yankton insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

We just covered many ideas to compare car insurance prices online. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as .

Additional information is available on the website for the South Dakota Division of Insurance. Click here for link. Visitors are able to read industry bulletins, find out which companies have the most complaints, discover disciplinary actions, and file complaints about a company.

Additional helpful sites include this online resource for car insurance quotes in South Dakota and this list of insurance agents in Yankton.