The purpose of this section is simple; we
utilize a variety of methods to enhance the value of our customers insurance dollar. We strive to be among the leading forces of utilizing technology to educate
our customers to ensure they understand
how their insurance works. In addition
to the internet, we strongly encourage
our customers to contact us directly if
they have questions. We want you to be
an informed consumer.
Please remember that information provided through this web site is for reference only.
We encourage you to consult with your
Kouri Insurance agent for information specific to your
policy and particular circumstance.
Consumer Alerts
Are You Protected From A Large
Lawsuit? In today's ever more
litigious environment, what was an
adequate amount of liability coverage
even a few years ago, is now likely
insufficient to meet the needs of your
family and business. Click
Why You Need An Umbrella policy to
learn more about the Umbrella policy and
why you should consider it.
Teen
Drivers. Keeping them safe.
Scary statistic -
While teen drivers only make up 7% of
drivers in the US, they account for 20%
of all collisions. Check out the site,
Teen Driving
Issues, for great information on helping keep
your teen driver safe.
Medicare
Plan D Drug Card
Plan. Need assistance? Try these links for information to assist you in
making the right choice.
Wellmark Medicare Blue RX and
Medicare - The Official U.S. Government
Site.
Children's Health Insurance Program. South Dakota children are eligible for FREE health insurance through Social Services if they are under 19 & income eligible for CHIP (Children's Health Insurance Program). CHIP covers doctor, hospital, dental, vision, prescription drugs, mental health, rehabilitation, etc. CHIP is not only for low income or single parent households. For example, a household of 4 can make approximately $3000 a month gross income and still qualify for medical coverage. Children who already have private health insurance may also be eligible. For an application packet, call 1-800-305-3064 for your local number, or 367-5500 in Sioux Falls.
Credit history, and its effect on auto insurance, is the focus of a brochure by the National Association of Independent Insurers. Click on the following link for a clear understanding of how and why credit is used by the insurance industry. Credit-Based Insurance Score Study
I am going to rent a car while on vacation. Is it necessary to purchase insurance offered by the rental car company? While your automobile policy may provide coverage for damage to the car if you carry full coverage, read the Top 10 Reasons to Purchase Rental Car Insurance for potential problems that your policy does not cover when renting a vehicle. This booklet is produced by the Independent Insurance Agents and Brokers of America.
Saving on your auto insurance premium.
Review your automobile insurance to make sure you are taking advantage of all the discounts that you may qualify for. Because of changes that have occurred since the inception of your policy, you may now be eligible for discounts that were previously unavailable.
Here are some suggestions to lower the cost of your insurance:
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Maintain a good driving record.
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Take advantage of lower rates for specific car sizes and models.
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Consider dropping comprehensive and collision coverage if the value and age of your car warrants it.
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Choose higher deductibles for comprehensive and collision coverage's.
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Take advantage of discounts, such as: (Will vary by company as to amount and availability) Multiple-car discounts, Low mileage discounts for driving less than 7,000 miles annually, Good-student discounts for youthful drivers, Drivers-training discounts, Multiple-policy discounts for having your home and auto with the same company, Safety discounts such as air bags, alarm systems & anti-lock brakes.
