Auto Insurance Quotes in Iowa
Iowa Auto Insurance: Facts and Means
According to the 2002 National Association of Insurance Commissioners NAIC study, Iowa consumers continue to enjoy the lowest vehicle insurance rates in the country. Iowa ranked as the nation’s lowest for combined average auto insurance rates which based on every state’s average cost of personal liability, collision and comprehensive coverage.
In 2001, Iowa ranked as the nation’s first with 543.44 dollar combined average premium. Iowa’s combined auto insurance premium average for 2002 is 557.67 dollars while New Jersey ranked first with an average of 1,149.39 average auto insurance premium. Though Iowa have low auto insurance average rate, there are some factors which affect individual rates. Type of the vehicle, the primary owner and where the vehicle is kept are some of the essential factors. It is recommended to shop and compare rates from different car insurance providers to find the best coverage at reasonable price that suits you.
Get Iowa car insurance quotes and low cost auto insurance rates from various and leading auto insurance providers.
Iowa Auto Insurance Laws
Iowa auto insurance state laws required a minimum liability coverage of 20/40/15, which means a bodily injured coverage up to 40,000 dollars for all persons injured in an accident with a limit of 20,000 dollars per person and a 15,000 dollars for property damage liability.
Uninsured Motorist Insurance is an optional policy for Iowa, this coverage will help you to protect when the at-fault driver is ’uninsured’ which causes vehicle damages and injuries to you and the passengers. Although this coverage in not a required by law, it will relatively help the insurance holders for the loss or damages brought by an accident. Most of the time loan or leased car required comprehensive and car collision coverage by the lender or financial company but this is not a required law for Iowa Auto Insurance.
Iowa Motor Vehicle Division (MVD)
Iowa Motor Vehicle Division website provides lists of site locations and hours with details on acquiring license, renewal on vehicle registration, driving test locations and an access to driver’s accident records. Information on registration and titles, personalized license plate, selling motor vehicle, permit on disability parking and others is also provided. An update for the new laws such as Iowa vehicle requirements and relative information on motorized scooters and electric bicycles. Motor carrier requirements, restriction map, and how to obtain a license class is relatively essential for commercial drivers which is also available on the website.
Iowa Department of Transportation
100 Euclid Ave, P.O. Box 9204
Des Moines, IA 50306-9204
Toll Free: 800-532-1121
http://www.dot.state.ia.us/mvd
Iowa Insurance Division
Resource consumer’s areas , insurance agents and companies as well as the securities & regulated industries are some of the essential information provided by the Iowa Insurance Division’s website. Insurance holders can report any complains against insurance company or agent. An access to view insurance alerts, HMO consumer report card, insurance bulletin, info on rights as Iowa citizens and others. As the site also provides relative information on agent licensing, rates & forms and an access to view records for insurance agents.
330 Maple St.
Des Moines, IA 50319-0065
Phone: 515-281-5705; Toll Free: 877-955-1212
http://www.iid.state.ia.us
