Auto Insurance in Redfield – 7 Discounts Drivers are Losing Out On

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Insurance companies such as State Farm and GEICO continually hit you with fancy advertisements and it is difficult to ignore the flashy ads and find the best price available.

Consumers should take time to get comparison quotes every six months because insurance rates fluctuate regularly. Despite the fact that you may have had the best deal a few years ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance on the web, but I’m going to show you some great ideas on how to put money back in your pocket.

Free Redfield Auto Insurance Quotes

To find the best auto insurance prices, there are several ways to compare rate quotes and find the best price. One of the best ways to compare insurance prices consists of obtaining rate quotes online. This can be accomplished in several different ways.

1. The first (and easiest) way to get quotes is to use a rate comparison form (click to open form in new window). This form eliminates the need for separate forms for each company. One form will return quotes from multiple low-cost companies.
2. A different way to obtain and compare quotes online is to manually visit the website for each individual company and fill out their own quote form. For instance, we’ll pretend you want to compare Allstate, Safeco and State Farm. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

   To view a list of companies in Redfield, click here.

3. The least recommended way of getting rate comparisons is to spend time driving to and from local Redfield insurance agencies. Shopping for auto insurance online makes this process obsolete unless you have a need for the personal advice only provided by licensed Redfield agents. It is possible to obtain prices from the web but still have the advice of a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverages for every company. If your comparisons have unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate in Redfield. Quoting even small variations in coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that obtaining a wide range of quotes will enable you to find a lower rate.

Switch companies and save? Really?

Allstate and Progressive constantly bombard you with ads on television and other media. All the companies make an identical promise about savings if you switch to them. How do they all say the same thing? It’s all in the numbers.

Different companies can use profiling for the type of driver that makes them money. For instance, a profitable customer could possibly be between 25 and 40, owns a home, and has a short commute. A customer who fits that profile is entitled to the best price and as a result will probably save a lot of money.

Potential customers who are not a match for these standards will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “customers who switch” not “people who quote” save that much. This is how companies can truthfully make the claims of big savings. Because of the profiling, drivers should compare as many rates as you can. It’s not possible to predict which insurance companies will have the lowest rates.

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t list every discount in an easy-to-find place, so we researched some of the more common as well as the least known savings tricks you should be using.

• Defensive Driver – Taking part in a defensive driving course could save 5% or more depending on where you live.
• Anti-theft Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
• E-sign – Certain companies will give a small break for buying a policy and signing up on their website.
• Federal Government Employee – Active or retired federal employment may qualify you for a discount with a few auto insurance companies.
• Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
• Homeowners Discount – Owning a home in Redfield may earn you a small savings because owning a home demonstrates responsibility.
• Resident Student – Children who live away from home and don’t have a car may be able to be covered for less.

Consumers should know that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck.

For a list of insurance companies with the best auto insurance discounts in Redfield, click here to view.

Your insurance agent down the street

Some consumers just want to visit with an insurance agent. The best thing about getting online price quotes is you may find the best rates and still choose a local agent.

To make it easy to find an agent, after completing this short form, your coverage information is instantly submitted to companies in Redfield who will compete to get your business. There is no reason to leave your computer as quotes are delivered to the email address you provide. Get lower rates and a licensed agent to work with.

Picking an provider requires more thought than just a low price. Here are some questions to ask:

• If your car is in the repair shop, do you have coverage for a rental car?
• If you are a high risk driver, do they have special markets for your coverage?
• Does the agency support the community they serve?
• Will your rates increase after a single accident?
• Which company do they place the most coverage with?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Do they make recommendations based only on price?

If you prefer to view a list of agents in Redfield to contact, visit this link.

After receiving acceptable answers to your questions in addition to an acceptable price estimate, most likely you have located an insurer that is a good match to service your policy. But keep in mind consumers can terminate your policy for any reason so never feel that you’re stuck with your new company for the entire policy term.

Car insurance coverages

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, damage from a tornado or hurricane, fire damage, hitting a bird and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as medical expenses, emergency aid, medical services and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford. South Dakota requires drivers to carry at least 25,000/50,000/25,000 but you should think about purchasing better liability coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your vehicle.

Since a lot of drivers only purchase the least amount of liability that is required (25/50/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision coverage

Collision coverage pays for damage to your vehicle caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills for prosthetic devices, doctor visits, surgery, X-ray expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

More detailed South Dakota auto insurance information is located at the South Dakota Division of Insurance website. South Dakota consumers can view a list of available companies, find out industry alerts, and download brochures.

Also read more on QuoteClickInsure.com and this page on QuoteClickInsure.com.

The best insurance company isn’t always the cheapest

Lower-priced auto insurance is possible online and with local Redfield insurance agents, so you should compare both to have the best rate selection. A few companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

We just showed you some good ideas how to lower your auto insurance rates. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with a small mutual company. Some small companies may only write in your state and offer lower rates than their larger competitors like State Farm, GEICO and Nationwide.