To locate an insurance agent in Sioux Falls, SD, we recommend you do an initial search by comparing rates online instead of calling around. Consumers need a good agent that listens to you, and also the lowest rates for car insurance in Sioux Falls.
You have multiple insurance agents to insure vehicles with, and although it’s nice to have a selection, it makes it harder to find the lowest rates.
Price shop online but buy from a local Sioux Falls agent
Educated insurance agents are trained to spot inefficiencies and help you file claims. The best thing about comparing insurance prices online is the fact that you can find better rates but also keep your business local.
By using this quick form, your insurance data is submitted to insurance agents in Sioux Falls who will compete for your coverage. You never need to even leave your home as quotes are delivered to the email address you provide. It doesn’t get any easier! You’ll get the best rates AND an agent nearby.
Picking an insurance agent requires more thought than just the price. Here are some questions to ask:
- Will their companies depreciate repairs to your car based on the mileage?
- Who are their largest clients?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they specialize in personal lines coverage?
- Is the agent and/or agency licensed to do business in South Dakota?
- How long has their agency been in business in Sioux Falls?
- Are you getting all the discounts the company offers?
Listed below are agents in Sioux Falls who can help you get price quotes.
State Farm Insurance – 3015 E 10th St, Sioux Falls, SD 57103 – (605) 332-7857
Farmers Insurance Group – 2101 W 41st St # 111, Sioux Falls, SD 57105 – (605) 367-6945
Charles Elhoff Agency – 3710 S Westport Ave # B, Sioux Falls, SD 57106 – (605) 361-2235
Allstate Insurance Co – 800 E 41st St, Sioux Falls, SD 57105 – (605) 334-9926
Baldwin-De Bates Insurance Inc – 1101 W Russell St, Sioux Falls, SD 57104 – (605) 336-2795
Farm Bureau Insurance – 4320 S Louise Ave # 105, Sioux Falls, SD 57106 – (605) 361-7621
Ray Parker Insurance – 227 S Prairie Ave, Sioux Falls, SD 57104 – (605) 336-2844
Upon getting reasonable responses for all questions you ask in addition to an acceptable price estimate, you’ve probably found an insurance agency that meets your needs to adequately provide car insurance.
Tailor your coverage to you
When choosing the best car insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.
- Does my insurance cover my expensive audio equipment?
- What are South Dakota no-fault laws?
- What is high-risk coverage and where do I buy it?
- Is rental equipment covered for theft or damage?
- When do I need to add a new car to my policy?
- Do I need medical payments coverage since I have good health insurance?
- Am I covered when driving in Canada or Mexico?
- Am I covered by my spouse’s policy after a separation?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent.
Online companies give you options
Local insurance agents are important, but South Dakota consumers also have the option to buy from companies direct over the internet. Some companies, such as Farmers Insurance and State Farm, who sell through the agent channel also let you get a quote and buy online, and that is helpful.
If you’re concerned about having to choose coverages yourself when buying car insurance direct, this is a normal reaction for first-time shoppers. Insurance companies provide phone numbers and online resources for customer questions.
Does buying online save money? It’s difficult to say for sure because of the number of factors that influence the price you pay. It’s a common assumption that a customer who purchases direcly from an online company cuts out the middleman. But truthfully, promoting brand recognition is pricey and that can cost more than having to pay agents.
And the best car insurance company is…
As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where an insured cut physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at an affordable rate while still protecting your assets.
Low-cost car insurance is definitely available both online and also from your neighborhood Sioux Falls agents, so you should compare both to get a complete price analysis. Some insurance providers may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
For more South Dakota car insurance information
Additional detailed information can be read at the South Dakota Division of Insurance website. Consumers can view agent and company licensing information, find out industry alerts, and read state legal mandates and laws.