Iowa Auto with Auto Insurance Coverage

Auto Insurance

Auto Insurance

Whether you want to buy or lease a car in Iowa, it’s critical to protect the investment through proper auto insurance. Car insurance offers the reassurance that you won’t be car-less if your vehicle is stolen, vandalized, or damaged by disasters. Property damage and injuries can quickly leave you bankrupt with a million debts as damages can be pretty expensive. If you are looking to buy auto insurance, you can always seek advice from our experts at Emporium Insurance Agency to know the coverages and amount of insurance to buy.

Auto Insurance Basics

Auto insurance is designed to ensure that every driver is financially responsible for their actions on the roads. That’s why it’s against the law to drive without insurance. The policy protects you from financial losses in case you’re involved in an accident. It also saves you from nasty lawsuits that may result if you don’t have enough liability coverage. Your insurance company will require that you pay renewable monthly, biannual, or annual premiums.

Auto Insurance Basic Coverages

Auto insurance comes in different coverages designed to cover different aspects such as medical bills, lawsuits, and property damage. Some of the basic coverages include:

  • Bodily injury liability
  • Property damage liability
  • Uninsured/underinsured motorist
  • Personal injury protection
  • Collision
  • Comprehensive

The Amount to Buy

The amount of auto insurance to buy depends on your needs and how you use the car. Generally, no two drivers will pay the same amount for their car insurance. That means there are serious considerations that insurance companies have to make when determining costs. For instance, your driving records play a critical role in determining how much insurance you will pay. Of course, a poor driving record means paying more for insurance. Other essential factors that insurance companies look at when determining costs include where you live and where you store the car, age, size and model of the vehicle, and how you intend to use the car.

Remember, auto insurance is a requirement in Iowa. Feel free to contact the Emporium Insurance Agency for more information about the policy.

Our Trusted Partners

  • AAA
  • Allstate
  • Encompass
  • Hartford
  • Kemper
  • Metlife Auto & Home
  • Nationwide
  • Safeco
  • State Auto
  • Travelers