Christie was such an amazing person! She truly help me find something I could afford at the moment.
read moreread less
Evelyn L.
1/05/2024
Jola is amazing at what she does. Every time I need help with something on my policy, she always goes above and beyond to make sure I have everything I need. She's very friendly and helpful and provides excellent customer service. Thank you!
read moreread less
SAMCRO_Reaper420 P.
11/21/2021
Crystal helped me and she was amazing!! You guys are so blessed to have her on your Team. Thanks girl! You rock! Don’t change
read moreread less
Amber K.
6/13/2023
Wonderful service with excellent communication and going above and beyond to ensure we received the best insurance option for our needs!! Thanks much Jola!
Owners Response: Thank you Sherra for letting us help with both of your auto and home insurance. single Homeowner 46 acquire quick insurance coverage VA Prior insurance: Nationwide Kia
read moreread less
Sherra O.
7/14/2022
Crystal was very personable and helpful. She really cares about finding you the lowest rate and my experience overall was fantastic. Thank you for helping me find the lowest rates out there!
read moreread less
Kitty M.
8/21/2023
This agent was amazing
read moreread less
Jessica D.
1/20/2023
Every person on this team is awesome, I love you all!!
read moreread less
MZGZ
12/13/2022
Jola Saved me 200$ by switching from progressive!!!!
read moreread less
Kyle M.
12/21/2021
Very helpful staff and great customer service.
read moreread less
Brenda M.
3/17/2023
Crystal was very understanding on what I needed did a lot of work with the DMV with me was a very awesome person. She was very polite and and patient with me.
read moreread less
Quincy S.
3/29/2023
I received a quote just in time for a new policy. I'm really surprised about how low of a quote I got. Something I could not miss out. We got things going right away. Thank you!
read moreread less
Lester F.
7/21/2021
She made this the most painless experience. Helped out with finding the best quote and great sense of humor.
read moreread less
Sean R.
2/21/2022
Always quick and personal service
read moreread less
Yourpowersports h.
10/17/2022
Hey 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 sure
read moreread less
Dante J.
3/07/2023
3 stars cus the guy had great customer service which led me to giving up my money
read moreread less
IiClouded
8/14/2022
My agent was the most professional and knowledgeable agent I've had thus far!!! 10/10
read moreread less
Alex D.
4/13/2023
Katie and Crystal worked well with me and helped me find the right policy and deal. I will definitely recommend to friends and family.
read moreread less
Sandra
7/21/2021
Crystal was so nice and helpful!! Best experience I’ve had over the phone with insurance.
read moreread less
katie F.
8/02/2023
Great experience. Great customer service
read moreread less
Danita M.
10/21/2022
Cameron was a great help, five start service. Super easy and helpful, I will definitely continue to use this service!
read moreread less
Noah L.
4/13/2023
Very Professional and got the job done quick! I worked with Marlon Moss. Thank you for the great service.
read moreread less
Kelsey W.
7/14/2022
Crystal was amazing, friendly good customer service and got me insured incredibly fast!
read moreread less
De'Onjra G.
11/24/2023
I am absolutely amazed with this company. Im 44 yrs old and I have not encountered a insurance company that actually put the customers needs first and best interests. Great prices! Customized to your needs! Outstanding customer service! Easy process!My hard earned money will go here because of myself value!
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.