Wilmot, SD Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Wilmot, SD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Average Cost of Car Insurance in Wilmot, SD
The average cost of car insurance in Wilmot, SD, is $1,323. Car insurance is vital for anyone driving on the road. Therefore, it is significant for car owners to insure their cars. But, since many insurance providers are available in the market, car owners may find it difficult to choose the one that suits their needs and meets their budget. In order to seize the best deal, you should compare different prices and terms available in the market.
Several factors determine the cost of auto insurance in Wilmot, SD. Although multiple elements impact the car insurance rates in Wilmot, SD, some aspects might not be related to your driving history or location. For instance, drivers' age, gender, and marital status are a few aspects that influence car insurance rates in Wilmot, SD.
a. Choose a high deductible
If you're looking to save a little money, opt for a higher deductible. The deductible is the amount that the policyholder must pay first before their insurance provider pays any expenses. Choosing a higher deductible can help lower your car insurance rates in Wilmot, SD.
For instance, car owners who opted for a high deductible of 1000 pay a premium of $1,796, whereas car owners who opted for a deductible of 500 pay $2,126 on car insurance in Wilmot, SD.
b. Consider the driver's age
Young drivers are inexperienced behind the wheel and tend to take more risks when driving. As a result, they're more likely to be involved in an accident. This increases the costs of repairs and could be liable for other people's medical bills. Therefore, insurance providers charge higher premiums for young drivers. Experienced drivers aged 21-30 years pay $1,309 on car insurance in Wilmot, SD. In contrast, teenage drivers pay $4,293 on auto insurance. When compared, teenagers spend an extra $2,984 on car insurance in Wilmot, SD.
c. Avoid Driving under the influence (DUI)
When purchasing car insurance, one of the most overlooked factors is your driving history. Whether you're a reckless driver or a cautious commuter, your driving history can negatively affect your auto insurance rates in Wilmot, SD. Car owners cannot control every aspect of their driving history, but making sure that they are registered and insured may raise your chances of getting lower car insurance rates. DUI (Driving Under Influence) is a grave offense. Car owners convicted of DUI can add extra burden on their pockets as the auto insurance rates increases.
For instance, in Wilmot, SD, the average auto insurance cost is $1,323. Post-DUI, the cost of insurance is $2,323. If the auto owner is convicted of DUI, they have to pay an extra $1,000 on their average auto insurance rates in Wilmot, SD.
Factors that can influence the cost of car insurance in Wilmot, SD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Wilmot, SD Auto Insurance Rates
- Wilmot, SD Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Wilmot, SD
- Multi Vehicle Insurance Savings in Wilmot, SD
- How Credit Score Affects Car Insurance Rates in Wilmot, SD
- How DUI Affects Auto Insurance Premiums in Wilmot, SD
- Top Auto Insurance Agents Near Wilmot, SD
- How Driving Violations Affect Auto Insurance Rates in Wilmot, SD
- Wilmot, SD Auto Insurance Discounts on Anti Theft Feature
Wilmot, SD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Wilmot, SD with that of other cities in and around Wilmot.
| Wilmot | Corona | Peever | Becker | Geneseo | Lee | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,323 | $1,308 | $1,288 | $2,037 | $1,405 | $1,410 |
Wilmot, SD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Wilmot, SD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Wilmot | $2,126 | $1,796 |
| Lee | $1,730 | $1,462 |
| Corona | $1,321 | $1,116 |
| Spring Grove | $2,023 | $1,709 |
| Geneseo | $1,476 | $1,247 |
| Becker | $2,098 | $1,772 |
| Kilborn | $1,017 | $859 |
| Peever | $1,421 | $1,201 |
Wilmot, SD Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Wilmot, SD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,293 |
| 20 Years | $1,700 |
| 30 Years | $1,309 |
| 40 Years | $1,260 |
| 50 Years | $1,167 |
| 60 Years | $1,183 |
| 70 Years | $1,377 |
Wilmot, SD Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Wilmot, SD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,302 | $344 |
| 3 Vehicles | $3,453 | $516 |
| 4 Vehicles | $4,604 | $688 |
Savings on 2 Vehicles bundle:$344
Savings on 3 Vehicles bundle:$516
Savings on 4 Vehicles bundle:$688
Wilmot, SD Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Wilmot, SD.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Wilmot | $1,323 | $2,323 |
| Lee | $1,410 | $2,476 |
| Corona | $1,308 | $2,297 |
| Spring Grove | $1,964 | $3,448 |
| Geneseo | $1,405 | $2,467 |
| Becker | $2,037 | $3,577 |
| Kilborn | $987 | $1,733 |
| Peever | $1,288 | $2,262 |
Wilmot, SD Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,135 |
| Excellent (740-799) | $1,296 |
| Good (670-739) | $1,379 |
| Average (580-669) | $1,799 |
| Poor (300-579) | $2,158 |
Wilmot, SD Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Hudson Bay Insurance | None | 711 Main St, Wilmot, 57279 | None |
| Pickthorn Insurance Agency | None | 520 Veterans Ave, Sisseton, 57262 | None |
| Dakota Insurance Agency | None | 228 S Main St, Milbank, 57252 | None |
| Bonnie Ceroll | State Farm | 113 E Oak St, Sisseton, 57262-1413 | 605-698-3136 |
| Insurance Solutions Plus Of Milbank, Inc. | None | 209 S Main St, Milbank, 57252 | None |
| Hewitt Insurance Agency Inc | None | 418 Main St, Langford, 57454 | None |
Wilmot, SD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$58 | $1,381 |
| Driver's Failure In Showing Documents | +$128 | $1,451 |
| Driving With An Expired Registration | +$136 | $1,459 |
| Driving At A Considerably Slow Pace | +$287 | $1,610 |
| Using A Cellphone While Driving | +$303 | $1,626 |
| Running A Red Light | +$308 | $1,631 |
| Speeding | +$324 | $1,647 |
| Driving A Vehicle Without The Required Permission | +$411 | $1,734 |
| Driving With An Expired/Suspended License | +$892 | $2,215 |
Wilmot, SD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,270 |
| Active Disabling Device | $1,270 |
| Tracking Device | $1,244 |
| Passive Disabling Device | $1,230 |