Auto Insurance in South Dakota

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  • United States auto insurance

    This article may require cleanup to meet Wikipedia's quality standards. No cleanup reason specified. Please add a |reason= parameter to this template. Please help improve this article if you can. The talk page may contain suggestions. (April 2011) Automotive insurance, in the United States and elsewhere, is designed to cover risk of financial liability or loss a motor vehicle owner may face if their vehicle is involved in a collision resulting in property or physical damages. Some states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another. A mo... (see more)

  • Usage-based insurance

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    Usage based insurance, also known as pay as you drive (PAYD) and pay how you drive (PHYD) and mile-based auto insurance is a type of automobile insurance whereby the costs of motor insurance are dependent upon type of vehicle used, measured against time, distance, behaviour and place. This differs from traditional insurance, which attempts to differentiate and reward "safe" drivers, giving them lower premiums and/or a no-claims bonus. However, conventional differentiation is a reflection of history rather than present patterns of behaviour. This means that it may take a long time before safer (or more reckless) patterns of driving and changes in lifestyle feed through into premiums. Contents 1 Economic and environmental impact 2 Insurance 2.1 Concept 2.2 Potential benefits 2.3 Potential drawbacks 2.4 Implementations 2.4.1 insurethebox 2.4.2 Progressive Insurance 2.4.3 Liberty Mutual Insurance 2.4.4 AIOI 2.4.5 MileMeter 2.4.6 IRIS 2.4.7 GMAC Insurance 2.4.8 AZ LOGICA 2.4.9 FL... (see more)

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