Guide to Auto Insurance in South Dakota

Purchase enough South Dakota car insurance coverage for your company's needs

For car insurance South Dakota requires a minimum 25/50/25 coverage. This means if an accident happens, the most a car insurance company pays for bodily injury liability to other passengers is $25,000 per injured person up to $50,000 per accident. If property damage occurs, the limit is $25,000 per incident. Most businesses want at least 100/300/100 coverage plus comprehensive and collision insurance. Comprehensive insurance covers non-wreck incidents such as theft of the vehicle; collision insurance pays for damage to the policyholder's car in the event of a wreck. South Dakota is a tort state; the police decide who is at fault for a wreck, and that person's insurance pays for all damages. You may also purchase an umbrella policy that covers any additional claims against the driver or company. These policies usually come in increments of $1,000,000.

I recommend: AutoInsure and Chase both have free umbrella insurance quotes. Here is a useful article that further details umbrella policies.

Purchase South Dakota automotive insurance online or go with a traditional insurance

With many websites that promise to deliver insurance quotes from multiple companies with one click, it is tempting to purchase auto insurance online. There's nothing wrong with this, but make sure you meet your company's needs by doing so. If you buy insurance online from an unknown company and it goes bankrupt, any potential claims have no financial backing. Also, never underestimate the importance of good customer service. Will online insurance agencies answer the phone readily, respond to your questions and take the time to explain your policies? If you have a high need for personal customer service, a traditional, proven insurance provider-one that you can call or visit in person in addition to web-based contact-may be your best bet.

I recommend: Check out Automotive.com to locate an auto insurance agency in South Dakota. Go to Internet Auto Guide.com to locate a traditional South Dakota insurance agency by county.

Know where and how to compare rates and find car insurance in South Dakota

Thanks to the Internet, it's easier than ever to get a South Dakota auto insurance quote at the click of a mouse. Many reputable companies now offer vehicle insurance quotes from multiple providers after you fill out a single application. By inputting the specific needs of your business, you can compare the same insurance coverage from several different providers.

I recommend: Esurance, Insurance and Progressive have excellent user interfaces and solicit quotes from several companies. You can purchase coverage and print insurance cards directly from the websites at the end of your session. Although Progressive is an individual insurer, it also offers competitor’s rates (which are sometimes cheaper) that you can immediately purchase.