Iowa State

Iowa Auto Insurance (IA)

Smart Iowa residents find a lot of ways to save, but the best way to save on your car insurance is with Insurancelower.com. We also give you a convenient place where you can purchase your car insurance products, so you will save time while you save money. Comparison shopping will allow you to find the features, coverage and price you need for your auto insurance policy. You can save both time and money by shopping for your car insurance online.
Find a great, affordable auto insurance policy for these cities in Iowa and anywhere in the state with ease at Insurancelower.com.

Residents of Iowa paid an average of $679 in insurance premiums in 2003. The national average for 2003 was $914 Unfortunately, many residents assume that these rates are preset and there are no other ways to save money. That's not true, because Insurancelower.com can save you money. While Iowa's insurance premiums are low compared to the national average, you may still be able to find quality insurance at a lower price.
It is the expectation that 2008 will see the first decrease in auto insurance rates since 2008. You can expect to see a .5% to 1% decrease in rates from 2003 alone. This drop has been brought on by sites like Insurancelower.com that allow consumers to use the power of modern technology to comparison shop and lower their insurance costs. You may not even realize how much your own insurance rates have increased over the years, believing you had no choice but to accept higher prices. The average auto insurance policy in 2003 was $679 and the rates increased 6.26% only one year later in 2002.

You should not throw away your money by paying too much in auto insurance when you can request a free quote from Insurancelower.com and get the best rates possible.

MINIMUM STATE INSURANCE REQUIREMENTS

There are some Iowa's state requirements in terms of auto insurance.
The state of Iowa uses a Tort system. Which means that a person has to be at fault in a car accident. The person at fault and their insurance carrier are responsible for all damages resulting from that accident.
Tort systems do vary from state to state, so check with your insurance regulator to see the specifics of the law in your state. The State Insurance Regulators page here at Insurancelower.com has a list of the links to the insurance regulators for all states.
There is the requirement with the state law of Iowa of a minimum Bodily Injury Liability coverage of the amount of $20,000 for every person and up to $40,000 total. The Property Damage Liability coverage has to be a minimum of $15,000. This type of basic coverage is called 20/40/15 coverage.

OTHER COVERAGES

There is also optional Uninsured/Underinsured Motorist coverage and Personal Injury Protection (PIP) coverage but Iowa law does not require it. Personal Injury Protection (PIP) coverage assists in paying "reasonable and necessary" medical expenses for you and your passengers in the event of an accident. UnInsured/UnderInsured Motorist pays for damage caused by a driver with little to no insurance.
These two types of coverage are not required by Iowa state law but can give you added protection.
Insurancelower.com can help you find insurance carriers that will offer these types of optional coverage.
It does not matter if you have a spotless driving record or are a high-risk driver Insurancelower.com will work hard to find you the best auto insurance rates possible in the great state of in Iowa. With the auto insurance statistics dealing with things such as car theft and accidents it is important that you have the best coverage in order to protect both you and your property. Insurancelower.com is always improving their website and services they offer to make it the best place for you to find affordable auto insurance. Simply enter your zip code and in minutes you can find the best rates and the best coverage in Iowa.

There are also links below if you would like to get insurance information for other states.
Request a free Quote and start saving money today.