Car Insurance
Car Insurance Basics
Protecting your loved ones and your finances is important. That’s what car insurance is for. In return for paying your premium to an insurance company, they agree to pay for a variety of costs that result from an auto accident. Some types of coverage are required by law, while others are voluntary. Don’t worry. We’ll help explain the details and search for coverage that fits your needs and budget. Contact us or request quotes to get started.
Car Insurance Coverage
Auto Liability
Covers bodily injury or property damage you cause to another party in an auto accident.
Collision
Covers damage to your vehicle caused by a collision with another vehicle or object.
Comprehensive
Covers damage to your vehicle caused by something other than a collision, like hail.
Uninsured / Underinsured
Covers bodily injury you sustain in an accident with a driver that has too little or no insurance.
Roadside Assistance
Covers towing, fuel delivery, and other roadside services, should your vehicle become disabled away from home.
Rental Reimbursement
Covers a rental vehicle while your vehicle is being repaired after a covered loss.
Custom Parts
Covers aftermarket parts and equipment you’ve modified your vehicle with.
Auto Insurance Discounts
Package
Pay-in-full
Auto-pay
Homeowner
Safe driver
Paperless
Good student
And more
South Dakota Car Insurance
South Dakota law mandates that all drivers show proof of financial responsibility to cover injuries and property damage caused by accidents. This is usually done with insurance. The minimum coverage amounts are $25,000 per person, $50,000 per accident, and $25,000 for property damage. While meeting these minimums makes you legal, it doesn’t always provide adequate protection. West Hills Insurance offers guidance and access to quotes from over 15 insurance carriers, ensuring you find quality coverage that fits your budget.
Source: South Dakota Dept. of Labor & Regulation
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