How Much is Auto Insurance for Real Estate Agents in South Dakota?

When writing about shopping for auto insurance, the words “affordable” or “cheap” should not be used anywhere to describe car insurance prices. Unfortunately, cheap auto insurance for real estate agents is just plain contradictory. But don’t let that discourage you, because we will tell you how you can find and buy insurance that doesn’t cost an arm and a leg.

For realtors, one of the big components that is looked at to determine rate quotes is where you keep your car in South Dakota. Areas with a lot of weather claims or more people like Pine Ridge, Lead, and Belle Fourche tend to have higher auto insurance costs, whereas cities that are not as densely populated have the benefit of cheap insurance for real estate agents in South Dakota.

The next table illustrates the most expensive areas in South Dakota for real estate agents to purchase a policy in.

Information shown are estimated as the specific geographic location can decrease or increase rates substantially.

Finding cost effective car insurance is not most people’s favorite thing to do, and deciding which company has the cheapest insurance rates for real estate agents involves even more work.

Each insurance company uses different criteria for setting prices, so let’s take a look at the most budget-friendly insurance companies in South Dakota. It’s important that readers know that South Dakota insurance rates are influenced by many factors that can increase the price you pay. Price variation is why it is important to shop around with many companies when trying to find the cheapest insurance quotes for real estate agents. Insurance prices are calculated by many things and change dramatically, so the cheapest rate two years ago may now be one of the higher cost companies.

Lowest Insurance Price Quotes for Realtors

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USAA offers some of the lowest car insurance rates in South Dakota at around $657 a year. Auto-Owners, Farmers Mutual of Nebraska, State Farm, and Unitrin would also make the list of some of the cheaper South Dakota car insurance companies.

As depicted above, if you are insured with Farmers Mutual of Nebraska and switched to USAA, you could see a yearly savings of in the neighborhood of $339. Customers with State Farm might save as much as $340 a year, and Unitrin insureds might reduce rates by $408 a year.

Bear in mind that those premiums are averaged for all types of insureds and vehicles and do not take into consideration a price discount for real estate agents. So the insurer that has the cheapest rates for you may not even be included in the rate chart shown above. That is why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

Careless driving habits raise South Dakota insurance rates

In a perfect world, the best way to find low insurance rates for realtors is to be a safe driver and avoid tickets and accidents. The information below demonstrates how speeding tickets and accidents impact car insurance costs for each different age group. The premiums are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied.

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In the prior example, the average cost of an auto insurance policy in South Dakota per year with no accidents and a clean driving record is $1,740. Get written up for one speeding ticket and the average cost surges to $2,027, an increase of $286 each year. Now include one accident along with the one speeding ticket and the yearly cost of insurance for real estate agents increases to an average of $2,846. That’s an increase of $1,106, or $92 per month, just for a couple of infractions!

State Farm, Progressive, Geico, and Allstate: Who is cheapest?

If you are looking for the best car insurance for realtors in South Dakota, some of the largest companies to start with are State Farm, Progressive, Geico, and Allstate. They all have slightly different options that may steer you one way or another. The table below compares and contrasts some of the different options and features that are available for buyers.

How to find cheap insurance for real estate agents in South Dakota

Below you’ll find many thrifty solutions that can help you find cheaper auto insurance.

• On older vehicles, drop full coverage
• Clean up your credit
• Bundle home and auto and earn a discount
• Vehicles with good safety ratings have lower liability rates
• Maintain a safe distance and avoid accidents
• Keep rates low by comparing prices once a year

The final tip is extraordinarily significant, as was affirmed in the prior article. Prices in South Dakota can be modified anytime, so drivers shouldn’t be reluctant to change to a new company if you find a better deal. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that inflexibility results in costing you a small fortune. Take a couple minutes and compare rates and find cheaper car insurance for real estate agents.