Car Insurance in South Dakota

It is one of the least populated regions in the country. Automobile ownership is well above average with one car for every resident. Here is another state with low population and high vehicle ownership. It may be easy to get by without a car when you have great public transport facilities. But this wouldn’t be the case when people thinly spread across. Usually there are fewer accidents when a place is sparsely occupied and therefore automobile insurance costs are lower. This theory seems to hold in South Dakota where you can enjoy driving in the wide open countryside.

One piece of good news is that drunk and Uninsured Drivers are not as big a problem here as in many other states. This is a relief for everyone. You don’t need to be in a vehicle to be a victim of a traffic incident. Many pedestrians suffer from accidents involving drunk, careless and not covered drivers. Actually, pleasing figures on these two fronts is a sign that education is pretty good here. This is another reason to be cheery about living in this part of the US.

Minimum Auto Insurance Coverage Limits in South Dakota

  • $25,000 for bodily injury or death per person.
  • $50,000 total for bodily injury or death per accident.
  • $25,000 for property damage. South Dakota in Pictures

Also Uninsured Motorist Coverage is required for all policies in SD. It pays you, resident members of family and occupants of the auto for personal injuries caused by such or a hit and run driver. No coverage is provided for damages to your vehicle. Having this protection and still not paying expensive rates is another bonus.

State website is probably the best source of information for anything else you want to know about the place and its rules of the roads.

Youngsters can get an instruction license permit at the age of 14 and they can get a driving license at the age of 16. But learners are not allowed cell phones in the car while in control. A good education right from the start improves safety on the roads. Graduated driver training is a success in this aspect.

Minimum liability only vehicle insurance requirements listed above is no way an indication of how much coverage you should buy for your automobile. Over 70% of policies in America include Collision and Comprehensive. People should know that there might not be huge price differences between liability only and full policies. These days there are economical full coverage car insurance offers that come with decent provisions and low prices. Another relief is that these affordable deals are offered by some of the largest carriers in the country.

If anyone is still saying that cheap policies may be suspect this goes to show that there isn’t necessarily a direct correlation between price and quality. You should always shop around and make sure you get value for money, rather than pouring a small fortune for presumably quality coverage.

Inexpensive Auto Insurance Companies in South Dakota

These names will help you reduce costs in most cases. However, it is always a good practice to get a few more quotes before you can call it a day. When you find one of the cheapest vehicle insurers you can save about 40% in the Mount Rushmore State, in comparison to one of the more expensive ones.

  1. Western National, $660
  2. State Farm, $678
  3. GEICO, $738

Good prices are well spread across the South Dakota cities too. They all enjoy low rates including the most expensive cities; Pine Ridge and Philip.

Remember when shopping for good cheap car insurance that you can get decent protection and affordable quotes. First of all, you can buy a lot more coverage for your money and secondly when you find a cheap deal this doesn’t mean that you should assume there is a trick in the game. Of course you need to get quotes and confirm exactly what you are being offered and if it is worth considering. The next step is to confirm that you are getting as good a policy as the current one. Thirdly, you need to find out about the company who is promising to bail you out if you ever need bailing out.

Automobile Insurance Costs in South Dakota

The median premium for minimum liability only is $467. The average expenditure is based on spending and it is one of the cheapest in the country at $581. Furthermore, the estimated cost of a full policy is $1168 and it is about $200 below the US average as well.

There is a wide gap between the average premium expenditure and estimated full coverage cost here. This is an indication that most people choose to buy liability only or similar limited policies. Maybe they are confident with their driving and not much worried about auto theft. Usually people choose not to load up when they don’t see much point. However, you should always get car insurance quotes for a better package even though you have already made your mind up about buying Liability only.

So, if you are paying much more than these figures and you have a good record you are probably pretty angry right now. You are in a state with the cheapest rates and yet somehow managed to stumble upon the most expensive one. In that case it is time to figure out how to economize money pretty quickly. There are many cases where an average driver can get great rates from a pretty good company and a good one ends up with one of the most expensive that is not really much known. One of the main reasons for this outcome is that one shops around and the other is lazy.

Also, don’t think that having a good record and no claim is the only way you can get vehicle insurance discounts. Today, there are many ways of getting them. Some of the less known ones are for switching, renewing the policy early, paying the premium in full, being a homeowner, bundling and so on. You can see that none of these has anything to do with driving and yet can qualify you for discounts. You can actually save as much as 20% for having good credit. So, take your time and find out about them right here.