Lauren did a great job at finding me the cheapest quote available. She offered...read moreLauren did a great job at finding me the cheapest quote available. She offered me many coverage options for my needs and in the end was very helpful walking me through all the documents that needed to be signed. Thanks Lauren!read less
Amy M.
7/21/2020
Hey this a a great friendly company was looking everywhere to get good an...read moreHey this a a great friendly company was looking everywhere to get good an cheap rates they hooked me up an loved the service an conversation threw the process check them out got my thumbs up for sureread less
Dante J.
3/07/2023
Marlon did a wonderful job end helping me with my auto
Kim O.
12/22/2022
Very helpful, and super friendly!
Micaella C.
7/21/2021
This agent was amazing
Jessica D.
1/20/2023
Marlon was great!
The G.
2/22/2023
Fast, friendly, helpful!She was a real person with a sense of humour and didn't...read moreFast, friendly, helpful!She was a real person with a sense of humour and didn't course me into anything. Explained all the types of coverage and I didn't feel like the process was lengthy either.THANK YOU AMY!!!!!read less
riah u.
7/21/2020
Absolutely fantastic, totally helpful, small family business, got me a fantastic rate. Jola was...read moreAbsolutely fantastic, totally helpful, small family business, got me a fantastic rate. Jola was my agent and she’s cool as hecc. Thank u so muchread less
Peter S.
7/21/2020
CRYSTAL FARLEY. Best in the business. I have gone through many insurance companies and...read moreCRYSTAL FARLEY. Best in the business. I have gone through many insurance companies and none of the representatives are as patients and willing to help as much as crystal FARLEY. I am very thankful for such an amazing customer service and the laughs shared through our conversations. You are so amazing and very helpful. We need more crystals in this line of work and I hope and pray you the very best and I WISH YOU GET A BIG RAISE 😂. very professional and amazing help. Thank you crystalread less
Nakayama M.
2/22/2023
She was great n patient
Takemia W.
7/21/2021
Highly reccomend!
D E.
11/15/2022
When I called I was given very high quality of care by Lauren and...read moreWhen I called I was given very high quality of care by Lauren and she got me an extremely low price for my car insurance! Everything was fast and easy and they made me feel safe and secure.read less
Samuel S.
7/21/2021
Awesome family owned
charles C.
4/13/2023
Great service! It wasn't very easy to complete.
Tiffany N.
1/15/2023
Jola was amazing!! Answered every question and concern I had very clearly. I will...read moreJola was amazing!! Answered every question and concern I had very clearly. I will be recommending!read less
Isaac O.
10/17/2022
Mrs jola did a great job in assisting me with getting insured pretty quickly...read moreMrs jola did a great job in assisting me with getting insured pretty quickly as needed and was also very helpful with getting a quote that suited me. Happy with my experience.read less
Isacc M.
7/21/2020
Thanks so much to all the A Plus team! Every one of them has...read moreThanks so much to all the A Plus team! Every one of them has helped me and everytime I feel so confident in my insurance choices. Crystal helped me again today and her service was exceptional.😀read less
Melanie S.
10/21/2021
Jola was very effective and and she helped me very quickly to get a...read moreJola was very effective and and she helped me very quickly to get a policy set upread less
Bria R.
12/08/2022
I had the best experience with this insurance company. I spoke with Marlon and...read moreI had the best experience with this insurance company. I spoke with Marlon and he was great. He found me the best and cheapest rate for my vehicle. I highly recommend A Plus Insurance!read less
David V.
1/19/2023
Very courteous
sheryl c.
8/04/2023
Communication was great, and followed up immediately.
Crystal M.
11/30/2022
Crystal was very helpful in securing the best rate for me. She was very...read moreCrystal was very helpful in securing the best rate for me. She was very professional and thoughtful. I highly recommend this business!read less
Average A.
3/21/2022
Every phone call to A+ is amazing. I love all the ladies I have...read moreEvery phone call to A+ is amazing. I love all the ladies I have talked with. Crystal is a superstar. Lauren is wonderful, Amy is outstanding, and I forget the other lady ( aka mom) wonderful. Wonderful company, great customer service! So very pleased with A+, I recommend them to anyone that asks and those that don't.read less
Casey B.
7/21/2020
Crystal was awesome!!! Not only was she helpful with getting me insurance but she...read moreCrystal was awesome!!! Not only was she helpful with getting me insurance but she is very personable and I really needed this. Thank you!!read less
What is Liability Insurance? Liability insurance coverage proves that you have financial responsibility when in the event of an accident, that you were found guilty of causing for another parties injuries or property damage.
Iowa Auto Insurance
The Minimum Amount that Must be Held on an Auto Policy in Iowa is 20 / 40 / 15
Bodily Injury for One Individual
Bodily Injury for Two or More Individuals
Property Damage
$20,000
$40,000
$15,000
Cheap Iowa Car Insurance
Liability insurance will not cover any of your injuries or damaged property in the event of an accident, this is where opting for full coverage would come in to play.
What Is Full Coverage Insurance?
Full Coverage Insurance will consist of comprehensive and collision coverage. The explanation of these coverages will be listed below:
Comprehensive: This coverage will cover any damage that was caused to the vehicle by external factors such as fire, flood, a tree falling, a deer hitting the car, vandalism, and theft.
Collision: This coverage will cover any damage that was caused to the car by colliding with another object or vehicle whether parked or moving.
With full coverage on a policy, you will need to choose a deductible amount. When speaking with your agent you will go over this cost.
Deductibles typically are either $500 or $1,000. The Insurance carriers will base your premium on how much financial responsibility you are willing to take on. Therefore, if you set your limit to $1,000, then in turn, your premium cost will be lower.
Another thing to mention about deductibles, they will need to be paid first before your full coverage insurance will kick in.
Iowa Auto Insurance
Should I Get Full Coverage Calculator
If you are curious if full coverage would be a good option for you and your vehicle, you can use the calculator below to get an estimate on whether it is the right option for you.
After you use the calculator, you may call in to speak with an agent to verify if it would be in your best interest to have full coverage insurance.
Overall Thoughts on Full Coverage Iowa Auto Insurance
Full coverage is an amazing coverage that is offered by insurance carriers, however, it may not always be the best fit for each individual. For example, if you have a vehicle that is over 10 years old, full coverage may not be needed. On the other side, if you are financing a newer vehicle, the bank, dealership, or lienholder may require you to have full coverage added on to the policy.
When discussing your quote with our agents, they will help guide you in the right direction for what the best option would be for you and your vehicle when it comes to having cheap Iowa car insurance and full coverage insurance.
