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Rapid City, sometimes known as “The Star of the West”, is a popular destination for tourism, business, and commerce. The city is conveniently located near Mount Rushmore and the Black Hills, which attract visitors each spring and summer. It is also home to large centers for regional shopping, houses a number of mining technology schools, and is home to Ellsworth Air Force Base. Many agree that the thriving economy and small-town personality of Rapid City make it a great place to live.
Driving legally in Rapid City requires:
| Coverage | Requirements | Most Common |
| Liability Bodily Injury | 30,000/55,000 | 100,000/300,000 |
| Liability Property Damage | 25,000 | 50,000 |
| Bodily Injury - Motorist Uninsured | Not required | 100,000/300,000 |
| Medical Payments | Not required | 5,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 250 deductible |
There are many different ways in which your vehicle can get damaged or stolen, and multiple of those end with you being out of a vehicle. If you have adequate coverage, you may not be out of a vehicle long enough for it to adversely affect your personal or professional life. However, if you only purchase the state minimum coverage, you could end up forking out 100% out of pocket for anything which Liability does not cover.
News flash: Rapid City drivers can lower their premiums down to $27/mo*, but only if they act fast! Otherwise, they might end up forking out closer to the state average of $130 or more for their Automobile insurance coverage.
Nationwide and Buckeye are virtually tied for being the most affordable insurance providers in Rapid City – for the average motorist, that is. Extenuating circumstances, such as poor credit, young age, or having significant traffic violations might mean that you won’t get offered the most affordable policy.
Companies that underwrite auto insurance coverage in South Dakota evaluate various elements while figuring out insurance prices, such as driving experience, accident claims, occupation, miles driven each year, and multiple cars and drivers. Moreover, premiums can alter from between companies. To confirm you are still being charged the lowest-cost fee, look at cheap Rapid City auto insurance estimates on the internet.
At the time your automobile insurance company sits down to create your plan, they take quite a few issues under consideration. Some, just like your real age or perhaps your particular location, are generally impossible to alter. A few alternative elements are:
The spot where you store your car each night will probably have a significant influence on your car insurance rate. Usually, auto insurance is less expensive in non-urban locations merely because fewer vehicles means a smaller possibility that you will get in an accident with another automobile. The population of Rapid City is 70,812 and also the usual household earnings are $44,960.
The rate of Deadly accidents in Rapid City is still relatively low, but the 2013 statistics in the chart below mark a significant rise from the previous year. Regrettably, this might mean that local providers are getting ready to raise their rates, if they haven’t done so already. Try calling your insurance agent and asking about Safe Driver discounts to prevent this from happening to you.
Finding low-cost auto insurance can be tough if you are vulnerable to auto theft. multiple common car or truck models tend to be appealing to thieves, as well as vehicles which are left typically in big cities. The total number of stolen vehicles in Rapid City was down to 149 for the year 2013. This was a significant decrease from the previous year, but the per capita rate of theft is still high enough to justify investing in some Comprehensive coverage.
South Dakota is one of the rare states where, even though the difference in premiums between poor and excellent credit exists, providers are a little fairer with their exact pricing. One provider on our list, Unitrin, doesn’t even change their rate based on credit score alone.
Getting your license for the first time is an exciting moment in every teenager’s life. Regrettably, it is also a very risky time as well. Their overall lack of driving experience means that they are statistically likely to get into a significant accident within their first year of driving. And because insurance companies know this, their policies may cost much more than the average driver. Fortunately, Good Student discounts and driving classes can help reduce this stress.
Even if you have one or two minor violations on your record, it might not increase your premiums as much (or at all) if your insurer offers Accident Forgiveness discounts. However, more significant violations will cost you. It could even cost you losing your coverage completely.
If you are leasing your vehicle, you’re going to have to purchase a very comprehensive policy, regardless of what you would prefer to spend. If you are still financing or own it outright, then you will have a little more wiggle room. However, in order to make sure your vehicle is protected in every possible way, you will need to purchase more coverage, and in higher amounts, which can get pretty expensive with a luxury vehicle.
Don’t forget to consider these elements too when trying to figure out your monthly rate:
Married couples can get an extra bit of savings if they bundle their policies together. But even if you’re single, you can bundle other financial products, such as RV insurance or renter’s insurance, if your Automobile insurer provides those services as well.
Who do you think gets charged more for insurance: men, or women? The best answer, based on the available data, is “nobody knows; not even your insurance company”. Many providers don’t charge a difference at all. Of those who do, some will charge men, while others may charge women the higher rate.
South Dakota is well known for its short commute times, and Rapid City is no exception. Local motorists can expect a delightfully short trip of 11 to 16 minutes each way, and the vast majority of them (over 85%) will do so in their own car or truck. Around 8-18% will carpool.
Did you know that business vehicles can cost 10-12% more to insure each month than your typical work, school, or pleasure vehicle? Likewise, driving more miles each year will increase your rates – but usually no more than 3-4%.
Raising your deductible in order to get a lower monthly rate on your automobile insurance is easy. forking out that elevated deductible, however, may be confusing if you get into an accident and file a claim. So think very carefully before you make that change, and make sure you have some “rainy day” money saved up, just in case.
27% of the Rapids City Population has successfully passed through all four years of high school, while another 18% has gone on to earn a bachelor’s degree for themselves. If you are a part of this lucky 18% minority, you could also have earned yourself a significant discount on auto insurance! Studies show that the higher your level of education, the more likely your provider will be to lower your insurance rates.
It should come as no surprise that a city known for mining technology is home to one of the best mining and engineering universities in the nation. The South Dakota School of Mines and Technology offers degree levels ranging from bachelor’s to the doctoral level and has its own Museum of Geology. For a valuable degree in less than four years, you may want to look into an associate’s degree or a diploma from the Western Dakota Technical Institute.
Auto insurance is probably the most significant investments you can possibly make as a buyer. You have to be sure you locate a reputable, responsible organization who will follow through on their claims. A couple of auto insurance companies tend to be better at this than the others, and performing a thorough internet hunt will let you differentiate the good from the unfavorable.
Sources:
South Dakota Department of Labor and Regulation – Division of Insurance
South Dakota Department of Labor and Regulation – Division of Banking
Department of Highway Safety and Motor Vehicles
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