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Cheap Iowa Car Insurance: All About Full Coverage in Iowa

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By Alexis Karapiperis | Customer Service Representative at Learnandserve.org | Powered by A Plus Insurance

In Iowa, it is mandatory to hold the State’s Minimum Requirement for liability insurance.

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.

The Minimum Amount that Must be Held on an Auto Policy in Iowa is 20 / 40 / 15

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.

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.

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.

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.

Get a quote started today by call, text, or email!

Last Updated on March 21, 2023 by