Katie was very Knowledgeable and gave me options I was not aware of. ...read moreKatie was very Knowledgeable and gave me options I was not aware of. It was greatly appreciated.read less
Dina J.
7/21/2021
Lauren is awesome she helpd me so much when we couldnt figure out my...read moreLauren is awesome she helpd me so much when we couldnt figure out my husbands sr22 she was so helpfull thank you laurenread less
Brandi S.
7/21/2019
Sy was patient, answered all of my questions thoroughly and examined all of the...read moreSy was patient, answered all of my questions thoroughly and examined all of the available options to find the best fit for me. Worked out great, and I'm paying exactly how much I wanted to be paying for the coverage I needed!! Thanks again! Definitely recommendread less
Andrew C.
7/21/2019
Jola was fantastic in helping me find the best value for my money, she...read moreJola was fantastic in helping me find the best value for my money, she also made the sign up very easy to complete.read less
Shawn K.
7/21/2019
Marlon was great! Couldn't have asked for a better agent!
Morgan W.
9/22/2022
Crystal was very and friendly really appreciate ur help
David D.
7/21/2019
Every person on this team is awesome, I love you all!!
MZGZ
1/09/2023
Lauren saved me a few hundred dollars at my 6 month renewal. She was...read moreLauren saved me a few hundred dollars at my 6 month renewal. She was kind and helpful, makes the process easy for people that don’t want to spend time comparing quotes from all possible options.
Insurance policy notes: 2017 Subaru Forester with quality coverage for less cost on the renewal with an internal rewrite. Other products offered: Renter insurance, motorcycle insurance, and boat insurance. read less
Nathan W.
6/30/2022
My agent, Katie, was so patient and understanding with me while I took forever...read moreMy agent, Katie, was so patient and understanding with me while I took forever getting documents together for my quote- she really went out of her way to accommodate me. I look forward to working with her in the future, especially if this is the type of service I can expect!read less
Ronda
6/14/2022
Alexandra was really thorough. She explained everything in detail, covered all the bases and...read moreAlexandra was really thorough. She explained everything in detail, covered all the bases and was really on top of things. She went the extra mile to review my options, call me back, and hunt down the coverage/price point I was comfortable with paying. Great service and very professional. Thank you. Oh, and she saved me money too … which I was super ecstatic about!read less
Maren M.
12/23/2022
Thanks for assisting me and providing a very professional service. I am pleased now...read moreThanks for assisting me and providing a very professional service. I am pleased now that I can afford to keep coverage. I will definitely add additional services. Thanks Katie!!!read less
Aisha C.
7/21/2021
Amazing and patient!
Brittany L.
10/25/2022
Policy Details: 2007 Volvo s60, with 1 driver, LIability insurance purchased for the...read morePolicy Details: 2007 Volvo s60, with 1 driver, LIability insurance purchased for the state of Georgia. Slight driving record accounted for. read less
Marlon S.
7/07/2022
I spoke with both Crystal and Lauren; and they were both so...read moreI spoke with both Crystal and Lauren; and they were both so nice and courteous, but also very professional and informative. Excellent customer service!read less
Scotty C.
7/21/2021
Jola has helped me twice now, and is phenomenal. She is so efficient and...read moreJola has helped me twice now, and is phenomenal. She is so efficient and helpful. I will go to her to find the right prices and reliable companies.read less
Ashton P.
7/21/2020
Always a pleasure and perfectly professional!
Jeff S.
7/21/2020
Alexandria was the most Pleasant and polite person that I've ever spoke to on...read moreAlexandria was the most Pleasant and polite person that I've ever spoke to on the phone I give her five thumbs up she said she don't even doing the job for 4 months I told her she acts like she's been doing the job for at least 5 years experience y'all should definitely think about her for Future bossread less
Brandy t.
12/28/2022
Very nice and helped me with everything I needed. Thank you!
Notes: Travelers was previous carrier
Annette P.
7/21/2019
Really helpful and kind folks. Got me an affordable quote quick, fast , with...read moreReally helpful and kind folks. Got me an affordable quote quick, fast , with very detailed info. Glad I swapped over from GIECO.read less
Robbie S.
7/21/2020
Marlon was great, he helped me find a low rate quickly i was very satisfied!
Karlie R.
2/28/2023
Lauren was a great help thanks
Bo W.
11/25/2022
Personable, friendly and very helpful!!
Katherine A.
7/21/2020
Made it super easy to get setup. The best part is I got offered...read moreMade it super easy to get setup. The best part is I got offered rates from many companies and my personal information was kept private!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.
