If you are a new resident of South Dakota then you may want to learn a few things about South Dakota car insurance providers. Doing so, can go a long way in helping you figure out your options with regards to car insurance coverage and how much money you will need to pay for them.
And the first thing that you will need to learn is how much car insurance the state of South Dakota requires you to buy. Now, what you have to understand is that it is not exactly car insurance which is being asked of you. What the state of South Dakota really wants is proof of financial responsibility, and you will find the same requirement in every other state in the US. The only difference is the number of options offered by each state to their respective residents and car owners.
In South Dakota’s case, motorists are required to present proof of financial responsibility by buying liability insurance. However, as far as liability insurance requirements go, South Dakota isn’t all that special. In fact, its liability limits is 25/50/25, which is pretty close to the average liability limits in most states. What these requirements basically mean is that every driver in the state of South Dakota must have the following insurance coverage before they will be allowed to drive:
$25,000 per person injury coverage
$50,000 per accident injury coverage
$25,000 property damage coverage per accident
Like most liability requirements these figures are actually quite low, and cannot actually cover any person’s damages in any meaningful way. As this is the case, it’s always advisable to get additional liability insurance if you can spare any extra cash.
And speaking of cash, in 2008, the average liability cost in South Dakota was $306.00, whereas average premium was $586.96. As far as premiums go, these figures are pretty good, and an indication that you and other South Dakota residents don’t really have to worry about very high car insurance costs.
However, finding the right cheap car insurance in South Dakota is not always about money. You also have to find the right car insurance company, and in order to do that, you will need to consider how each company handles the following:
Customer service
Car insurance rates
Policy coverage
Processing Claims
General Reputation Among Car Owners
As far as options go, you can find most of the largest car insurance companies in South Dakota, including Progressive and State Farm. Online car insurance providers like, GEICO, are also present, not to mention several local and state companies. And since this is the case, you should always get as many quotes as you can so that you will be able to make an informed decision on which South Dakota car insurance company is best suited for you.
South Dakota’s DUI Laws
Car insurance is not just about premiums, coverage and quotes however. Although they are quite important you should also try to familiarize yourself with DUI laws, and how they might affect your car insurance premiums.
In South Dakota, a person who is caught with a DUI will receive an immediate license suspension of no less than 30 days (and no more than one year). In addition to this, a $1,000 fine will also take effect as well as a restricted license in some cases.
A second offense will bring up a one year jail sentence as well as a six month to one year license suspension. The offender will again be charged a $1,000 fine as well as a restricted license, depending upon the circumstances. And lastly, the person charged with the DUI will be asked to attend an alcohol or chemical dependency program.
Succeeding DUI’s will be treated as felonies, and will therefore certainly have more severe penalties. So you can only imagine what sort of impact DUI’s can have on your car insurance premiums. And it’s also worth remembering that the state laws has become even more severe in recent years.
According to the National Highway Traffic and Safety Administration, the fatality rate attributed to cases of DUI in South Dakota is roughly the same as that of the national average. So you may want to ask your car insurance provider (assuming you have one already) how these figures can potentially affect your car insurance premiums.
Top 10 Most Stolen Cars in South Dakota
Another issue that you should know about is the impact of car theft on car insurance premiums. In South Dakota, as in any other state, car insurance companies are always trying to look at which cars have the highest risk of getting stolen, and will use that information in calculating the premiums of their clients. So to help you understand how your premiums are computed, you may want to familiarize yourself with the top 10 most stolen cars in South Dakota last 2010:
1991 Chevrolet S-10
2003 Ford F-150
1999 Chevrolet C/K 1500
2001 Pontiac Grand Prix
2003 Dodge Ram 1500
1998 Ford Ranger
2001 Ford Taurus
1992 Buick Century
1997 Chevrolet Cavalier
2000 Chevrolet ImpalaCar Insurance Discounts in South Dakota
Discounts are, of course, offered by all South Dakota car insurance companies. The tricky part is finding the ones which suit your needs.
You can find different kinds of discounts, depending upon what sort of car insurance coverage you have. Here are a few popular examples:
Discounts offered to people who have great driving records
Discounts offered to people with good credit ratings
Multiple policy or multi-car discounts
Customer loyalty discounts
Good student discounts
Aside from discounts, you should also compare your coverage to your premium in order to get a good idea about what kind of protection you’re getting for your money. Do not pick a policy based on how much it costs. Always consider other the factors that may be involved, and how they fit in with your short term and long term goals. Doing so is the best way to find a great car insurance policy in South Dakota.
And the first thing that you will need to learn is how much car insurance the state of South Dakota requires you to buy. Now, what you have to understand is that it is not exactly car insurance which is being asked of you. What the state of South Dakota really wants is proof of financial responsibility, and you will find the same requirement in every other state in the US. The only difference is the number of options offered by each state to their respective residents and car owners.
In South Dakota’s case, motorists are required to present proof of financial responsibility by buying liability insurance. However, as far as liability insurance requirements go, South Dakota isn’t all that special. In fact, its liability limits is 25/50/25, which is pretty close to the average liability limits in most states. What these requirements basically mean is that every driver in the state of South Dakota must have the following insurance coverage before they will be allowed to drive:
$25,000 per person injury coverage
$50,000 per accident injury coverage
$25,000 property damage coverage per accident
Like most liability requirements these figures are actually quite low, and cannot actually cover any person’s damages in any meaningful way. As this is the case, it’s always advisable to get additional liability insurance if you can spare any extra cash.
And speaking of cash, in 2008, the average liability cost in South Dakota was $306.00, whereas average premium was $586.96. As far as premiums go, these figures are pretty good, and an indication that you and other South Dakota residents don’t really have to worry about very high car insurance costs.
However, finding the right cheap car insurance in South Dakota is not always about money. You also have to find the right car insurance company, and in order to do that, you will need to consider how each company handles the following:
Customer service
Car insurance rates
Policy coverage
Processing Claims
General Reputation Among Car Owners
As far as options go, you can find most of the largest car insurance companies in South Dakota, including Progressive and State Farm. Online car insurance providers like, GEICO, are also present, not to mention several local and state companies. And since this is the case, you should always get as many quotes as you can so that you will be able to make an informed decision on which South Dakota car insurance company is best suited for you.
South Dakota’s DUI Laws
Car insurance is not just about premiums, coverage and quotes however. Although they are quite important you should also try to familiarize yourself with DUI laws, and how they might affect your car insurance premiums.
In South Dakota, a person who is caught with a DUI will receive an immediate license suspension of no less than 30 days (and no more than one year). In addition to this, a $1,000 fine will also take effect as well as a restricted license in some cases.
A second offense will bring up a one year jail sentence as well as a six month to one year license suspension. The offender will again be charged a $1,000 fine as well as a restricted license, depending upon the circumstances. And lastly, the person charged with the DUI will be asked to attend an alcohol or chemical dependency program.
Succeeding DUI’s will be treated as felonies, and will therefore certainly have more severe penalties. So you can only imagine what sort of impact DUI’s can have on your car insurance premiums. And it’s also worth remembering that the state laws has become even more severe in recent years.
According to the National Highway Traffic and Safety Administration, the fatality rate attributed to cases of DUI in South Dakota is roughly the same as that of the national average. So you may want to ask your car insurance provider (assuming you have one already) how these figures can potentially affect your car insurance premiums.
Top 10 Most Stolen Cars in South Dakota
Another issue that you should know about is the impact of car theft on car insurance premiums. In South Dakota, as in any other state, car insurance companies are always trying to look at which cars have the highest risk of getting stolen, and will use that information in calculating the premiums of their clients. So to help you understand how your premiums are computed, you may want to familiarize yourself with the top 10 most stolen cars in South Dakota last 2010:
1991 Chevrolet S-10
2003 Ford F-150
1999 Chevrolet C/K 1500
2001 Pontiac Grand Prix
2003 Dodge Ram 1500
1998 Ford Ranger
2001 Ford Taurus
1992 Buick Century
1997 Chevrolet Cavalier
2000 Chevrolet ImpalaCar Insurance Discounts in South Dakota
Discounts are, of course, offered by all South Dakota car insurance companies. The tricky part is finding the ones which suit your needs.
You can find different kinds of discounts, depending upon what sort of car insurance coverage you have. Here are a few popular examples:
Discounts offered to people who have great driving records
Discounts offered to people with good credit ratings
Multiple policy or multi-car discounts
Customer loyalty discounts
Good student discounts
Aside from discounts, you should also compare your coverage to your premium in order to get a good idea about what kind of protection you’re getting for your money. Do not pick a policy based on how much it costs. Always consider other the factors that may be involved, and how they fit in with your short term and long term goals. Doing so is the best way to find a great car insurance policy in South Dakota.
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