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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

South Dakota Insurance Guide

Not an official state until 1889, South Dakota has wasted no time in creating insurance regulations that protect and benefit its more than 800,000 residents.

South Dakota Auto Insurance

When you consider South Dakota auto insurance regulations, know this: the state does not require any personal injury protection (PIP) coverage. It does, however, require at least $25,000 in bodily injury liability for single-person injuries and $50,000 for multiple person injuries. They also require uninsured motorist coverage and at least $25,000 in property damage liability. South Dakota is not a no-fault state.

South Dakota Health Insurance

Like most states in the U.S. South Dakota health insurance regulations do not require health insurers that operate in the state to offer a guaranteed issue product to individuals. And since there are not state income taxes, there is no need to deduct health savings account (HSA) contributions from any state filings. South Dakota does have a high-risk pool for uninsurable individuals without access to group coverage.

Small groups in South Dakota can consist of as few as 2 people and there is no guarantee that an individual within the group who has pre-existing conditions that went without coverage for 63 or more days in the previous 6 months will not have the conditions excluded for up to 12 months. Rate bands are in place to help restrict group insurance rates.

South Dakota Home Insurance

South Dakota home insurance is not required by state regulators, but individual lenders in the state may require it of their customers. Residents are particularly at risk for experiencing tornadoes and should make sure they have adequate home insurance coverage.

South Dakota Life Insurance

The South Dakota Life and Health Insurance Guaranty Association was formed in 1989 in order to protect consumers and life insurance policyholders against the unlikely event of lost life insurance claims and cash values due to insurer insolvency. The association offers up to $300,000 in life insurance death benefit protection and $100,000 in cash value protection.

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