Cheapest Auto Insurance Quotes for Welfare Recipients in South Dakota

Wouldn’t life be so easy if we could magically tell you the company that has the cheapest rate quotes for welfare recipients? Regrettably, it’s not quite that easy, as there are a whole slew of unknowns such as whether you have prior claims, what level of deductibles you need, and the safety ratings of your vehicle. In this article, we will cover some of these criteria and will hopefully give the reader a good start in finding the cheapest car insurance.

When shopping for the cheapest car insurance for drivers on welfare, one of the many things that is used to calculate insurance cost is where your residence is in South Dakota. Cities with more crime and/or more people like Pine Ridge, Spearfish, and Hot Springs tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims generally benefit from lower car insurance rates.

The table below lists the most costly cities in South Dakota for welfare recipients in which to purchase auto insurance.

Rates are comparative as the specific South Dakota residence address can influence rates substantially.

Establishing which insurers offer the most affordable auto insurance rates for welfare recipients calls for a little more sweat in order to find the best policy. Every car insurance company has their own guidelines to determine rates, so we will examine the auto insurance companies that tend to have lower prices in South Dakota.

Cheapest Insurance Rates in South Dakota

Click to Compare Rates Now

USAA generally has some of the most affordable car insurance rates in South Dakota at around $657 annually. Auto-Owners, Farmers Mutual of Nebraska, State Farm, and Unitrin also rank well as some of the best South Dakota auto insurance companies.

As shown above, if you are insured with Farmers Mutual of Nebraska and switched to USAA, you might see an annual savings of in the vicinity of $339. Customers with State Farm may save as much as $340 a year, and Unitrin insureds might cut rates by $376 a year.

Understand that those premiums are averaged for all insureds and vehicles and and are not figured with a rate decrease for welfare recipients. So the company that can offer the best rates for your situation may not even be shown in the list above. That point stresses why you need to get car insurance quotes using your own driver information and specific vehicle type.

The vehicle needing coverage is one of the largest factors when shopping around for the best cheap car insurance for welfare recipients. Vehicles with more horsepower, a lack of modern safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer, lower-performance models.

The next table showcases coverage premiums for some of the most cost-effective vehicles to buy coverage for.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can modify premiums substantially.

Looking at the rates, you can assume that cars like the Ford Escape, Honda CR-V, Honda Accord, and Hyundai Santa Fe are most likely going to be some of the cheapest vehicles to insure for drivers on welfare.

The chart below shows how choosing a deductible can impact insurance costs when getting quotes for cheap insurance for welfare recipients. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2897,2643,2365,2101],[‘Age 30’, 1509,1389,1249,1115],[‘Age 40’, 1493,1367,1223,1083],[‘Age 50’, 1359,1247,1117,993],[‘Age 60’, 1313,1205,1081,963],[‘Age 70’, 1587,1465,1327,1195]]);var options = {title: ‘Effect of Higher Deductibles on Car Insurance Rates in South Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 40-year-old driver could reduce rates by $242 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $366 by changing to a $1,000 deductible. Young drivers, like the 20-year-old category, could reduce their rates as much as $796 each year just by choosing higher deductibles. When choosing a higher deductible, it is a good idea to have plenty of money set aside to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to get discounts on South Dakota insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-welfare-recipients-sd.jpg" alt="Cheaper South Dakota auto insurance for drivers on welfare” />Car insurance companies that sell the cheapest car insurance for welfare recipients in South Dakota could also offer rate discounts that could potentially reduce rates by as much as 30% if you meet eligibility requirements. Larger auto insurance companies and a summarized list of policyholder discounts include:

The diagram below compares insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving violations, South Dakota state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, multiple policy, multiple vehicle, defensive driving course, marriage, and vehicle safety discounts applied. When discounts are applied, the the amount saved on auto insurance for welfare recipients is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2101,1511],[‘Age 30’, 1115,809],[‘Age 40’, 1083,785],[‘Age 50’, 993,719],[‘Age 60’, 963,697],[‘Age 70’, 1195,863]]);var options = {title: ‘Comparison of Insurance Rates for Welfare Recipients’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to find the cheapest insurance for welfare recipients

The list below details a few thrifty solutions that can help drivers buy more affordable coverage.

• Keep your driving record clean
• Buying your home and auto policies from the same company can earn a discount
• Avoid preventable accidents
• Buy vehicles with five-star safety ratings
• Earn a discount by not filing claims
• Keep rates low by shopping around frequently

The last item on the list is particularly vital, as we emphasized in this piece. Car insurance rates in South Dakota can change considerably in a year, so drivers shouldn’t hesitate to buy from a new company if a cheaper price is available.

Staying with the same company for years is fine, but we do not recommend it if that devotedness results in you overpaying a lot of money. It takes less than five minutes to compare rates and find cheaper insurance for welfare recipients.

Best cheap insurance quotes for drivers on welfare

There are many ways to buy auto insurance in South Dakota, but the three most common are through a captive (or exclusive) agency such as State Farm or Auto-Owners, an independent or non-exclusive agent, or buying direct from a company like Progressive or Geico. They all follow the same basic process, but it’s important to understand the differences in how they provide rate quotes.

Independent insurance agencies write business for many companies and can get rate quotes from each one. Agents of this type have the option to give you more rates, which may give you a better chance of finding cheaper coverage. If premiums increase, they simply move the coverage in-house without you having to go to a different agency.

An exlusive, or captive, agency is restricted to quoting rates for a single company, two of the more popular are Allstate or State Farm agents. Exclusive agents are unable to compare other company’s rates, so they have to upsell other benefits.

The final way is buying direct, which means you skip the middleman (the agent) and buy direct online or over the phone from a company like Progressive or Esurance. This auto insurance option is a good choice for families who do not need complex risk management and have an above average understanding of what auto insurance covers and what it doesn’t.

What is the best way for finding the cheapest car insurance for welfare recipients in South Dakota? It would be easy to say buying from a direct car insurance company results in the best prices since that eliminates agent commissions, but unfortunately, that is not always true. We could also say that an independent agent can save the most money due to having more companies to select from, but that assumption is not true either. In some circumstances, exclusive agencies have price quotes well below independent agents AND direct companies.

Since auto insurance prices vary so much, the guaranteed way to buy the cheapest policy is to compare rate quotes from as many companies as possible. To cover all the bases, get quotes from all three types in order to have the best selection to choose from. For a list of auto insurance companies with low rates, click here to view.