As a resident of the "Star of the West," you no doubt think about safety and risk often. Perhaps you work at Ellsworth Air Force Base and oversee a fleet of army vehicles. Or maybe you are a senior citizen who still vividly remembers the devastation of the 1972 flood that killed more than 230 people and injured 3,000. Or maybe you are a homeowner who has children at Stevens High School, and you have ongoing concerns about their health and welfare.
In any event, sourcing quality Rapid City insurance quotes can help you plan financially and reduce your financial exposure. It's not easy to shop. The sheer glut of info out there may leave you feeling like one of those statues on display at the "City of Presidents" -- frozen forever in thought. This article can resolve nagging questions you've had about how to formulate a tactical approach to get better Rapid City insurance policies, so you can get back to more fun endeavors, like picnicking at the Journey Museum, or attending a Black Hill Symphony Orchestra concert.
Homing in on Homeowners Insurance Help -- and Beyond
South Dakotan homeowners in 2007 paid just $618 for their HO-3 homeowners premiums, according to the National Association of Insurance Commissioners. This ranked the state as one of the best for HO-3 policies -- for comparison, the average US homeowner paid $822 that year. Louisiana, Florida, and Texas homeowners all paid more than $1,400 for their policies. All that said, $618 is still a lot of money -- and your rates may be substantially higher if you have had flood or weather damage, or if you have a low credit score. To get better numbers, consider raising your deductible. Also, insure your home and auto on the same policy to get a potential savings of 30% or more. Storm-proof your home and add security and sprinkler systems. Finally, discuss your needs with a live agent, and shop around for Rapid City insurance quotes.
Of course, while you should cost-cut where possible, don't skimp on Rapid City insurance. For instance, consider liability. Say someone slips and falls on your property. She can sue you for medical bills and other costs. Liability coverage can protect your pocketbook from this potential calamity. Again, your best bet is to shop around for quotes and speak with an agent who has credentials and who knows the local market and the hazards that fellow South Dakotans face.
Zeroing-In on Rapid City Insurance Quotes
NetQuote offers a free and fast way to gather up five (at least) quotes from name-brand carriers. Our service offers a smarter way to get quotes -- normally, you would have to go around to different insurance company websites filling out a smorgasbord of forms. At NetQuote, you fill out one form and get back a range of Rapid City insurance quotes to cross compare and use to your advantage.