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Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
 
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!
Providence Financial, Inc. can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!

South Dakota – How much auto insurance is right for you?
Based in Sioux Falls, our team understands the auto insurance needs of our customers.
 
Auto insurance requirements vary by state. In some states, to drive you must carry:
  • Bodily Injury Liability coverage – to pay for losses you cause others; or
  • Medical Payments (no-fault) coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault; or
  • Uninsured Motorist coverage - to pay you for treatment of your injuries as a result of a collision with an uninsured driver; or
  • Underinsured Motorist coverage - which comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

We write insurance in South Dakota, Iowa, Minnesota and Nebraska and would be happy to help you ensure you have the right coverage for where you live.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is uniquetalk to us today to find out how to get the best price and value on auto insurance for you. Call (605) 221-6001 for a quote today, or request a quote online at https://pfinancial.agentinsure.com.

 

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    Providence Financial, Inc.
    3208 E 26th St
    Sioux Falls, SD 57103
    Phone: (605) 221-6001
    Text: (605) 638-9812
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