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Cheap Iowa Auto Insurance

Cheap Iowa auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Iowa.
auto insurance in Iowa

Car insurance is something that just about everyone needs to be on the roads legally. With that being the case, we want to make sure that we’re getting the best for our money. With our free quote tool, you’ll be able to find a cheap auto insurance policy in Iowa – one that is effective as it is inexpensive. There are some fine insurers in this state, and we bring them to whoever may be looking.

Iowa Auto Insurance Law
It’s very important to understand the law in this state if you’re going to receive cheap Iowa auto insurance. The state of Iowa requires all insurance companies to offer uninsured and underinsured motorist insurance to all their policy holders. Uninsured and underinsured coverage provides protection against drivers who do not carry the mandatory liability auto insurance demanded by the state. Underinsured and uninsured coverage is not mandatory in the state of Iowa but it is recommended. If you decide to forego this option, the insurance company is required to provide a signed declaration page stating that you chose not to take the underinsured and uninsured coverage.

You or your insurance company may exclude members of your household from coverage on your insurance policy. If the individual is not listed on your policy, the insurance company does not have to provide coverage for that person, something to take into account if you’re looking for cheap auto insurance in Iowa. If your policy lapses or cancels you can be cited for driving without the required insurance so you must pay the premium to reinstate the policy. If the policy is cancelled, then you must find a new auto insurance policy right away.

Iowa Auto Insurance Practices
Iowa insurance companies can use your credit history to accept applicants and set insurance rates. They may also use your credit score to determine your risk factors however many other factors are used to determine your rates such as the age of the drivers on the policy, the car you drive, your driving record, where you live and your marital status. These are easily the largest factors that play a part in cheap auto insurance in Iowa. Since Iowa is a Torte state, any individual who is found to be at fault in an accident can be sued for pain, suffering, lost wages, and medical expenses. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance. The average insurance premium in Iowa as of 2006 is approximately $536.00 and the state is ranked as the 50th most expensive for insurance premiums in the nation.

Lowering Your Premium
If you’re going to have cheap Iowa auto insurance, you’ll need to know a few things that will lower your insurance premiums. One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure you insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors.

Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums. Anti-theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums, and are counted in your favor if you’re looking for cheap auto insurance in Iowa. It may also be useful to know which cars are frequently targeted by thieves. The list of the top ten most often stolen cars in the state of Iowa are listed below.

Top 10 Stolen Cars

1. 1995 Ford F150
2. 1999 Chevrolet C/K 1500 Pickup (full size)
3. 1995 Pontiac Grand Am
4. 2000 Chevrolet Cavalier
5. 1993 Oldsmobile Cutlass
6. 1997 Chevrolet Blazer
7. 1991 Chevrolet Lumina
8. 1994 Ford Taurus
9. 1998 Dodge Ram Pickup
10. 1994 Pontiac Grand Prix

But even if you drive any of these cars – we can still help. We’ve connected people to really fantastic means for cheap auto insurance in Iowa. Even if you may not think that you may not save that much, we implore you to give our free quote tool a try. You may be surprised by your findings!

Useful links:
Iowa Division of Motor Vehicles
Iowa Division of Insurance
Iowa Department of Revenue

Iowa minimum requirements
Bodily Injury Liability Per Person: $20,000.00 Limit
Bodily Injury Liabiltiy Total: $40,000.00 Limit
Property Damage Per Accident: $15,000.00 Limit

Iowa auto insurance requirements and laws >>

Cheap teen auto insurance in Iowa
Iowa DUI laws