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| It is a legal requirement to have insurance when you drive your vehicle in the state of Iowa. It is possible to get a cheap insurance policy in Iowa by shopping around for the best rate and/or choosing coverages that are appropriate for your situation. Use our directory to help you locate an agent and get a free Iowa auto insurance quote today. In doing so, you will generally speak with a multi line insurance agent capable of meeting all of your vehicle insurance needs in just one phone call. Most insurers offer discount Iowa insurance for automobiles when you purchase multiple policies from the same company. This is usually referred to as a multi-policy discount and is only one of many that you may qualify for. Use our “Top ways to save on car insurance” tool to take full advantage of all money saving opportunities and you are well on your way to a more affordable Iowa car insurance policy. It is also advisable to speak to a few different agents and get pricing information for different coverage limits with each quote that you obtain. Our insurance agents represent some of the top companies that insure cars in Iowa. |
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Iowa is a tort state. In tort states you are responsible for the injuries you cause as a result of an accident. Rates are determined by the driving habits of the drivers within a state. The state's liability minimums are 20/40/15. That is $20,000 per individual for bodily injuries you cause to the other persons, and up to $40,000 for all, and $15,000 for damage you cause to the other party's personal property. Many states now also use credit as a rating tool and having good credit can mean a lower rate. Iowa determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. Visit the Iowa Department of Insurance for additional details at the Insurance Basics link on this site. |
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