Affordable Car Insurance Auto Insurance in Iowa - Compare Rates

Know safety, no injury. No safety, know injury.

It is better to be safe than sorry. Accidents don't only cause injury but leave you financially drained. So it is essential that you buy auto insurance.

In the State Iowa, it is not mandatory that you buy an auto insurance.

You can also fulfill your financial responsibility by paying cash or posting a cashier's check, certified check, bank draft or postal money order payable to the Office of Driver Services for all expenses associated with your accident.

Another way of doing it is by filing a surety bond of $ 55,000 with the State.

Buying insurance is always a better as you also get an option of safeguarding your damages. This option is not available when you go for other choices.

When you decide to buy an auto insurance, you will be required to buy mandatory auto insurance which includes:

Bodily Injury Liability

This coverage will pay for the injuries that you cause to others. In case a victim sues you, then the legal expenses can be covered.

The minimum coverage is $20,000 per injured person up to a total of $40,000 per accident.

Property Damage Liability

This coverage will pay for the damages that you caused to property of others. A car, a tree and even a mail box can be included in the "property".

The coverage will pay for the cost of repairing a damaged car and will also include any replacement cost for replacing valuables inside the car.

The minimum limit is $15,000.

This basic coverage is often referred to as 20/40/15 coverage.

It is not always that the minimum liability coverage would be enough for you, it is essential that you buy additional coverage so that you are covered in a better way.

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Optional Coverages

Uninsured/Underinsured Motorist Coverage

This coverage will pay for injuries that were caused to you by a driver who has no insurance or has inadequate insurance to cover your injuries. In this case your insurer won't be of any help as the company will only pay for the damages/injuries that you caused, not that others caused to you.

Hence it is essential that you buy this coverage so that your bodily injuries are taken care of.

For the property damage that you may incur, you will have to buy additional Collision Coverage. This coverage will pay for damages to your car caused due to a collision.

A total coverage called the Comprehensive Coverage can also be purchased which will cover almost all causes of property damages except collision. The various causes will include fire, vandalism, arson, flood, impact due to animal etc.

When you make your decision to buy auto insurance, use the internet to obtain quotes from several companies. You can do this by filling up your basic personal details. Internet allows you to save yourself from botheration of several agents and also saves big on time and money.

Don't hesitate to ask for discounts. Several discounts include:
>> Good driver discount
>> Good student discount
>> Discount for mature drivers
>> Discount for installing safety devices in your car.

If you think that you can pay higher amount out of your pocket at the time of claims then you should definitely go for higher deductibles. It is better that you buy insurance because When you gamble with safety, you bet your life.

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