Insurance Plus is Aberdeen’s trusted source for personalized insurance coverage. Coming to us means coming to an agency that is easy to communicate with and one that will be able to guide you on a personalized path to choosing the right insurance plan, rather than a much larger agency that doesn’t prioritize your individual needs. Our goal is for every customer to leave our doors knowing they have the safest plan for the future. 

Auto insurance is a certain type of coverage that all car owners need. The type of coverage that car owners have, though, can vary greatly, and we will assist you in picking the best policy to maintain the quality of your specific vehicle.  

Common Auto Insurance Questions  

What is auto insurance?  

By purchasing the right coverage, auto insurance is a paid agreement between the insured and the insurer that, in the event of an accident, the insurer will step in and help cover some of, if not, all of the costs resulting from a damaged vehicle depending on the type of coverage. In turn, drivers can feel some type of safety knowing that, if an accident occurs, they will be provided financial assistance. 

How does auto insurance work?  

Vehicle damage can get very expensive if an accident is severe enough, and auto insurance is a guarantee that you will be assisted in covering those expenses. In the event of an accident, you would file a claim against your policy for aspects of the accident you are responsible for and your insurance will then give you financial assistance in covering some of the costs.  

It’s important to understand that having quality coverage will limit your out-of-pocket costs, rather than digging yourself into significant financial debt. 

What does auto insurance cover?  

The average auto insurance policy can offer numerous benefits, including:  

Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:

Is auto insurance required?

Below are the auto insurance requirements for South Dakota:

Liability Insurance:
$25,000 bodily injury liability per person, $50,000 bodily injury to two or more people, and $25,000 property damage liability per accident.

Uninsured Motorist Coverage: 
$25,000 bodily injury liability per person and $50,000 bodily injury to two or more people.

Underinsured Motorist Coverage:
Equal to Policy BI Liability Limits up to $100,000/$300,000

Depending on if you have financed your vehicle, you also may be required to other types of insurance such as collision, comprehensive and gap coverage. 

Having more than just the bare minimum auto insurance coverage is essential. Our knowledgeable, experienced agents will help you determine the best policy. 

What does auto insurance cost?  

Numerous factors can influence the cost of your auto policy, including:  

There is a possibility that drivers might pay different prices for the same type of coverage, but we will make certain to use our resources and find you the best policy for the most reasonable price. Do not sell yourself short when it comes to auto insurance.  

Contact Us 
The agents at Insurance Plus are here to help the car owners of Aberdeen. We can help you learn more about policies so you can make an educated decision on coverage for you and your car. Don’t sell yourself short. 

Contact us at 605-225-4270 today to learn more.