Auto Insurance Coverage in Iowa

Although many motorists in Iowa are primarily concerned with finding the cheapest auto insurance quotes available, strict attention should be given to the mandatory minimum levels of coverage required by the state. All motorists are expected to carry $20,000 worth of bodily injury liability per person, $40,000 worth of bodily injury liability per accident and $15,000 worth of property damage liability. Although the requirements of a basic policy will attract the lowest auto insurance rates, there are a number of additional coverage levels that will give motorists complete peace of mind.

Collision Coverage

While liability insurance may cover the expense of bodily injuries and damage to property sustained by third parties if you are deemed to be at fault in a road traffic accident, there will be no possibility of your chosen insurance carrier paying for damage to your own vehicle unless collision coverage is purchased. This level of auto insurance will assist in covering the cost of repairs to the insured vehicle although higher premiums will be applicable to policies that provide protection for new vehicles.

Comprehensive Coverage

Comprehensive coverage is an excellent choice on many auto insurance quotes and offers blanket protection for both driver and vehicle. This type of insurance will cover the cost of repairs to a vehicle if it becomes damaged as a result of a theft or break in. Alternatively, it will offer protection against floods, fire, vandalism and any other reasonable force of nature.

Medical Coverage

If a driver is found to be at fault in an accident, medical coverage will cover the cost of treatment to other injured parties that fall outside the restrictions incorporated within bodily injury liability insurance. As well as covering the cost of treatment to injured parties, adding medical coverage to your auto insurance quotes will also offer protection against claims of lost earnings from other drivers.

Personal Injury Protection

Personal injury protection covers the cost of medical treatment to the insured driver and any passengers travelling in the insured vehicle at the time of an at-fault road traffic accident. When included in an auto insurance policy purchase, this level of coverage will also protect against loss of earnings through incapacity. There may be certain restrictions applied to personal injury protection if alternative life or medical coverage is in place through a separate policy.

Protection against Uninsured or Underinsured Motorists

Many motorists in Iowa continue to use their vehicles without appropriate auto insurance coverage in place. Purchasing an auto insurance policy with uninsured or underinsured motorist protection will assist in covering the cost of bodily injuries and property damage for the policyholder if they are involved in a collision where an insufficiently covered driver is at fault.

What are the Benefits of Additional Coverage?

When additional coverage is included into your car insurance quotes, all motoring pursuits can be undertaken with complete peace of mind. Irrespective of any eventualities, the policyholder can indulge in stress-free motoring knowing that they are sufficiently covered in all areas where a potential problem may occur.

Why use Promiga for your Auto Insurance Quotes?

Promiga specialize in providing auto insurance quotes for motorists of every type. By working in partnership with the best insurance companies in the industry, quotes are provided with complete confidence every time. Although there will inevitably be dozens of different carriers that are licensed to operate within the state of Iowa, only a small number will carry an A-rating and these are the only companies that we will work alongside.

By offering multiple policies from a single website, Promiga has earned a glowing reputation for fulfilling the needs of their customers. Because multiple policies can be compared on a head-to-head basis, our customers can enjoy the benefits of purchasing online auto insurance knowing that they will be effectively covered at the best possible price.

Promiga take your privacy seriously and will not pass on your information to any third parties. Indeed, we never ask for any personal information at all! To obtain your free car insurance quotes, all you need to do is provide a ZIP code relating to the area where you live. There will be no unsolicited mail and no unsolicited telephone calls. All we offer is the very best in cheap car insurance quotes.

Our dedicated website has been designed with the end user in mind and our simple interface can be used to raise a range of auto insurance quotes within a matter of minutes. There’s no need to visit multiple websites or spend countless hours trawling around land-based insurance offices. Promiga Auto Insurance Quotes is a one-stop shop for all of your coverage needs.

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