If you live in the state of Iowa, you will want to know all the requirements for auto insurance. Iowa car insurance is mandatory and anyone who drives without it will be in danger of losing their license. When a driver is stopped by an officer in Iowa they will need to have proof that they have Iowa car insurance. This simple little piece of paper represents something very important because it provides the proof that you have the financial ability to provide for any damage that you might cause while driving.
If you are purchasing insurance in Iowa, you will need to have liability coverage for the basic amount required by law. Iowa car insurance requires that you carry bodily injury and property damage for the car of the other driver. Liability coverage will only take care of the other car and the people in it, leaving you completely on your own if the accident was your fault. Most people in Iowa know how important it is to have more coverage then the minimum required by law. It really is not enough and the responsible driver will want to get the best policy they can afford.
Iowa car insurance is competitive and each company has different prices, so it is a good idea to compare auto insurance quotes every few years. Ask you agent to review your policy and tell him you are going to compare auto insurance quotes to make sure you are getting the biggest savings. If you have a good driving record and a great credit score, you may be offered a discount. Call at least three companies in the area where you live and ask them for a quote. Be honest and tell them abouit any driving infractions you have had recently so they can give you a realistic price. They will do a check and all of these things will show up, so it is usually best to be upfront about any problems.
When you compare auto insurance quotes, don’t forget to add in things like roadside assistance because this simple little add on can save you a lot of time and headaches should you lock you keys in the car. It also provides peace of mind to know that with one phone call to your insurance company, help is on it’s way and you will not be left stranded.
It is important to remember that insurance will often be more expensive in big cities because of all the cars on the road. If you live in one of five most populated areas of Iowa, you will often pay a higher premium. Des Moines, Cedar Rapids, Davenport, Sioux city and Waterloo are all areas where insurance companies feel that drivers are more likely to have an accident. There is a lot to think about when looking for insurance and that is why it is important to compare auto insurance quotes before you buy.