Iowa Auto Insurance

When it comes to automobile coverage everybody would like to find savings. Since state law makes it mandatory for motorists to be insured at all times while operating a vehicle, finding the lowest rate is important. By comparing auto insurance quotes from multiple insurers the chances of finding the cheapest policy becomes a lot more likely.state of Iowa

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Finding Cheap Iowa Car Insurance

The most effective way to save on policies is by completing an Iowa auto insurance comparison of companies and rates. Each company views motorists differently and therefore their pricing can vary significantly with every provider. With this in mind, one should obtain as many quotations as possible before coming to the decision of who they would like to be protected with.

Obtaining quotations can be done quickly and efficiently with the help of the Internet. With so many providers out there to choose from, it can be extremely time consuming to contact each one individually to find the one that suits a consumer best. With the submission of a simple online application, consumers can now have the rates of reliable competitors provided to them in a matter of minutes. This makes finding cheaper IA car insurance premiums easy and convenient.

Iowa Auto Insurance Laws

legal systemEvery driver is required by IA car insurance laws to be covered by a liability policy. This protects others on the road if the insured is found to be at fault in a traffic accident. The minimum limits required are as follows:
  • $20,000 for bodily injury to one person
  • $40,000 for bodily injury to two or more people
  • $15,000 for property damage of the other party
Uninsured and Underinsured Motorist coverage must be offered to the insured at the time they purchase a policy. This coverage must be equal to the minimum financial responsibility limits. This covers bodily injury to the policyholder caused by a driver that does not have a policy or is underinsured. This option can be rejected with a separate form provided by the insurer and signed by the insured.

In addition, the National Highway Traffic Safety Administration states that Iowa has very strict laws against driving under the influence and very harsh penalties. Be sure to always practice safe driving in order to keep rates down.

Questions about IA Coverage Topics

  • Can an OWI Impact My Iowa Auto Insurance?

    State of IowaInsurance companies in the Hawkeye State take operating while intoxicated (OWI) convictions very seriously. If motorists are convicted of an OWI after purchasing a car insurance policy, they may have their rates increased or their plans canceled. Uninsured motorists with...

  • Where Can I Shop For Iowa Auto Insurance?

    Iowa state with blue backgroundShopping for auto insurance in Iowa is very similar to shopping for other products. Residents usually explore as many options as possible to find a company that can either offer the lowest prices or can provide the most extensive coverage. One of the...

News Regarding Iowa Insurance

  • Iowa Supreme Court Upholds Insurer's Deadline for Filing Claims

    June 29, 2012 - The Iowa Supreme Court sided with the insurer being sued in a case where a woman sought compensation from her coverage provider after finding out the extent of her medical damages almost four years after crashing, with the justices upholding the ...

  • Drivers in Iowa, ND and SD Paid Lowest Average Premiums in 2009

    January 18, 2012 - Drivers in Iowa, North Dakota and South Dakota had the most affordable average car insurance premiums nationwide in 2009, while Louisiana and D.C. had the highest average premiums, according to a new report from a national association of regulatory officials. The state with the lowest combined rates for private vehicle coverage...

  • Iowa and Pennsylvania Regulators Say Keep an Eye out for Bambi

    November 10, 2011 - Regulators in Iowa and Pennsylvania are warning motorists to be especially watchful for deer on the roads this month--and to consider buying optional insurance coverage that reimburses policyholders for damages caused by a run-in with an animal. Authorities say mating and migration patterns make November the most active time...

Iowa Auto Insurance Articles

  • High Risk Iowa Automobile Insurance

    Dec 28, 2011 - Auto insurance prices in Iowa are primarily based on the likelihood that a motorist will file a claim. In an attempt to accurately predict a driver's accident risk, insurers frequently explore an extensive amount of research and...

  • Proof of Iowa Car Insurance

    Nov 02, 2011 - Vehicle owners in Iowa have different requirements than many other motorists across the nation. Drivers in the Hawkeye State are not strictly required to purchase auto insurance, but...

Resources for Iowa Car Insurance