Road users in Iowa are legally obliged to purchase IA auto insurance coverage. There are three mandatory requirements applicable and all motorists using state roads and highways must carry them as a minimum requirement. The minimum mandatory requirements are set as follows:
- $20,000 worth of bodily injury liability per person
- $40,000 worth of bodily injury liability per accident
- $15,000 worth of property damage liability
Coverage can be boosted by purchasing additional features to supplement a standard policy but any additions to an IA auto insurance deal will inevitably attract higher auto insurance rates. Comprehensive insurance, collision coverage and personal injury protection are common policy additions. Some motorists choose to protect themselves against uninsured and underinsured motorists as well.
Discounts can be obtained by pooling your IA auto insurance with holiday, household and medical coverage. By using just one carrier to take care of all of your insurance requirements, a discount of up to 10% can be enjoyed. A clean driving record is another great way of obtaining the discounts that lead to cheap IA auto insurance quotes. Avoiding violations and frequent accident claims to establish yourself as a responsible driver and enjoy the best IA auto insurance deals.
Road users who fall between the ages of 25 and 50 years of age are considered to be less of a risk and this can also result in safe driver discounts. If the driver is married with children, there is a chance that their IA auto insurance quotes will be even cheaper. Security and safety features are also attributed to securing preferential IA auto insurance rates.