South Dakota auto insurance quotes From Mount Rushmore to the vast farms that dot the eastern portion of the state, South Dakota offers a plethora of driving opportunities... and risks. Whether you're a homemaker in Pierre, a banker from Sioux Falls, or a tour guide at Wind Cave or Badlands National Park, if you drive an automobile or truck in the state, you need some basic knowledge about South Dakota auto insurance quotes options.
After all, highway hazards can challenge even the most austere Dakotan. Think about what might happen if you got trapped out on an empty stretch of US Route 281 during a cold snap in January. Or consider how you might handle a tangle with a DUI driver outside Rapid City on New Year's Eve. To get the coverage that your lifestyle and driving habits merit, you first must learn some basics about South Dakota auto insurance requirements and pricing.
A Closer Look at Stats South Dakota Auto Insurance Quotes
In 2007, the National Association of Insurance Commissioners found that South Dakota drivers paid just $534 for their auto coverage. This ranked SD as the second cheapest state (after North Dakota and Iowa) for auto. (The national average was $795 for the year, and the most expensive state -- New Jersey -- saw an average expenditure of $1,104. That's more than twice what South Dakotans paid.) Looking further, we see that South Dakota drivers paid $193 for comprehensive, $191 for collision, and $285 for liability. As of early 2010, South Dakota auto insurance quotes drivers had to carry uninsured motorist coverage as well as bodily injury and property damage liability to the tune of 25/50/25. (In other words, $25,000 for bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.)
Looking for Discounts on South Dakota Auto Insurance Quotes
Bear in mind that the state average of $534 was just that -- an average. As they say, your mileage may vary. Your credit score, driving history, and even the make, model, and color of your vehicle can influence your rates. That said, things are not completely out of your control. Tap into discounts by getting a good student discount (savings of 10%), installing antilock brakes (savings of 5%), and putting in an auto alarm (5% savings). Insure your car and auto through the same company for a savings of 30% or more. Increase your deductible to get your premiums down.
Your Resource for Relevant South Dakota Auto Insurance Quotes
Are you exhausted of going from website to website sourcing South Dakota auto insurance quotes from different insurers? Is this research eating up your entire day? If so, AutoInsuranceQuotes.com will be a real timesaver. Fill out our free online form. Submit your info, and get back multiple quotes collected from insurers from across the country (chosen from a pool of 100+ companies). Contrast these quotes to pick the best policy, or simply use the info to refine your search further for South Dakota auto insurance quotes.