Sioux Falls is on the up and up, according to surveys by organizations like CNN, Forbes and Men's Health magazine. For instance, from 2005 to 2009, Forbes ranked the city as a top city for businesses and careers. Sioux Falls has been lauded for its clean drinking water, low crime rate (half the US average) and diverse festivals (such as the Light & Life Christian Music Festival held over Labor Day). With all the wonderful things going on in Sioux Falls, it's important not to forget to mitigate against the risks of daily living, working, and merrymaking. Unfortunately, shopping for Sioux Falls insurance quotes can be technically difficult and intimidating. With so many options available for life, health, business, auto, and other kinds of coverage, you may feel overwhelmed and under-informed. Turn to NetQuote to simplify the equation, so you can get back to doing things that really matter, like picnicking at Terrace Park.
Auto Quotes for Sioux Falls Insurance
As any Sioux Falls resident knows, a replica of Michelangelo's famous statue of David decorates the downtown area. Whether you drive to and from downtown daily, or you only take your car out once in a while to go to places like the Great Plains Zoo and Delbridge Museum, you need some minimum protection against liability and damage. State law requires South Dakota drivers to carry a minimum of three kinds of insurance --bodily injury (BI), property damage (PD), and uninsured motorist (UM). You must carry $50,000 BI coverage per accident and $25,000 BI coverage per person as well as $15,000 for PD coverage. It is possible to purchase a single combined limit policy to satisfy these requirements. South Dakotans have the second cheapest auto premiums in the nation, according to data compiled by the National Association of Insurance Commissioners (NAIC). As of 2007, South Dakotans paid just $534 per premium --compare this with the average US rate of $795. Breaking it down further: South Dakotans paid $285 for liability, $191 for collision, and $193 for comprehensive. To drive down your rates even further, consider doing the following: taking a defensive drivers course, applying for good driver or good student discounts, cleaning up your DMV record, opting for a higher deductible, dropping collision or comprehensive coverage for older vehicles, and buying auto insurance from the same company from which you buy your home, renters, or business insurance.
Fighting for Better Sioux Falls Insurance Quotes
Whether you are a local pilot who flies at 114th Fighter Wing at Joe Foss Field, or you're a docent at the Kirby Science Discovery Center, you want to mitigate against certain risks. Now, obviously, a fighter pilot will have a different risk tolerance than a docent will. But this general principle of homeowners insurance still applies: you want to get the best coverage at the lowest rates. To that end, let's look at statistics for Sioux Falls insurance for homeowners. According to 2007 numbers compiled by the National Association of Insurance Commissioners (NAIC), South Dakotans paid an average of just $618 for their homeowners insurance. Renters only paid $113. This ranks South Dakota as the 11th best state for homeowners insurance. (Consider, for instance, that the average US homeowner paid $822 for homeowners in 2007.) Of course, even a policy of $618 per month can seem quite steep. To cut costs, consider paying off more of your mortgage. This will make the insurance companies trust that you care about your property and that you will be less of a risk. Plan all construction carefully so you don't add to your potential liabilities. Opt for a higher deductible, install a security system and smoke alarms, and protect your home against wind and weather damage. Thanks to the good work of the Sioux Falls Police Department, the crime rate in the city is very low, so that should work in your favor.
Comparing Sioux Falls Insurance
Whether you need Sioux Falls insurance for your new place near the Wells Fargo CineDome, or you seek auto insurance for the car you drive to and from work at the Sanford Health Sports Complex, NetQuote can help. Our service is free, and it is a snap to use. Fill out our simple questionnaire, submit it, and then get back fresh Sioux Falls insurance quotes from five (or potentially more) top rated insurers. Compare and contrast these quotes to find the best deal for you, your business, or your family.