Iowa Auto Insurance
If you're in need of Iowa car insurance, you should know the minimum coverage required by the state before you start searching. The Hawkeye State mandates that drivers must have bodily injury and property damage liability coverages.
These coverages come into play when you cause a collision that either injures another party or damages their vehicle or other property. Here are the minimum limits for Iowa:
- $20,000 coverage for bodily injury per person
- $40,000 coverage for total injury per accident
- $15,000 coverage for property damage
Remember, however, that actual expenses can be much higher than these minimums, so you might want to purchase more coverage – you're still responsible once your provider's payouts hit your policy limits.
Discounts can lower Iowa auto insurance costs
Iowans could qualify for a plethora of discounts, such as:
- Multi-policy discount. If you insure your home and car with the same provider, you could see discounts on your policies.
- Multi-car discount. Do you have two or more cars to protect? Insure them under the same policy and you could receive a discount.
- Good driver discount. If you've gone a period of years without getting in a collision or filing a claim, you could qualify for this discount.
- Homeowners discount. If you own your home, you could save on your auto insurance policy.
- Good student discount. If you have a student on your policy that's under 25 and earning B's or better, you could qualify for this discount.
- Safety features discount. Does your car have air bags, seat belts, anti-theft devices, and/or anti-lock brakes? If so, you could qualify for this reduction.
If this seems like a lot of information, there's an easier way to get great auto insurance at a price that's right for you. Let HomeInsurance.com help you by talking to licensed insurance professionals about your needs!