Clear Answers To Common Questions

Getting a quote is simple. Contact us by phone at (605) 836-8998, email us at [email protected], or visit our office. We'll gather basic information about your vehicle, driving history, and coverage needs to provide competitive rates from multiple carriers.

Your premium is influenced by several factors including your driving record, age, vehicle type, coverage levels, deductible amounts, location, annual mileage, and credit history. We work with you to find the best balance between coverage and affordability.

Liability coverage pays for damage you cause to others. Collision coverage pays for damage to your vehicle from accidents, regardless of fault. Comprehensive coverage protects against non-collision events like theft, vandalism, weather damage, and falling objects.

Yes, you can adjust your coverage at any time. Whether you need to add a vehicle, increase coverage limits, or modify your deductible, we can help you make changes to fit your evolving needs.

First, ensure everyone is safe and call emergency services if needed. Exchange information with other parties involved, document the scene with photos, and report the accident to law enforcement if required. Then contact us immediately to start your claim. We'll guide you through every step of the process.

Yes, we work with carriers that offer various discounts including safe driver discounts, multi-vehicle discounts, bundling discounts, good student discounts, and more. We'll identify all discounts you qualify for to help reduce your premium.

You'll typically need your W-2 forms, 1099s for other income, receipts for deductions, previous year's tax return, identification (Social Security card or ITIN), and bank account information for direct deposit. If you're self-employed, bring records of business income and expenses. We'll provide a complete checklist based on your specific situation.

Our pricing depends on the complexity of your return. Simple individual returns start at competitive rates, while business returns and more complex situations are priced accordingly. We provide transparent pricing upfront with no hidden fees. Contact us for a personalized quote.

Absolutely. We can help you file prior year returns and get back into compliance. We'll work with you to gather necessary documents, minimize penalties where possible, and create a plan to resolve any outstanding tax obligations.

When we e-file your return with direct deposit, most refunds are issued within 21 days. We can check the status of your refund and keep you updated throughout the process.

Yes. Unlike seasonal tax preparers, we're available year-round to answer questions, provide tax planning guidance, help with estimated payments, and address any tax notices you receive. You can reach out to us anytime.

Yes, we specialize in business tax preparation for sole proprietors, independent contractors, freelancers, and small businesses. We handle Schedule C, quarterly estimated taxes, self-employment tax calculations, and help you maximize legitimate business deductions.

Using one trusted provider for both services saves you time and gives us a complete view of your financial situation. This allows us to provide more comprehensive guidance, coordinate services efficiently, and help you make smarter financial decisions throughout the year.

We accept various payment methods including cash, credit cards, debit cards, and checks. We also offer convenient payment plans for our services to help fit your budget.

Yes, we offer free initial consultations to discuss your insurance and tax needs. This gives us a chance to understand your situation and explain how we can help, with no obligation.

Simply contact us by phone, email, or visit our office in Sioux Falls. You can also fill out our online form to request a quote or schedule an appointment. We'll respond promptly and guide you through the next steps.