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Car Insurance: Everything You Need To Know

An auto insurance policy is an agreement between an insurance company (insurance provider) and a customer (policy holder). The policy holder will pay a fee, or a premium, and the insurance provider will cover the costs of any car-related accidents covered under the terms of the insurance policy. Here are some questions some might have regarding auto insurance.

Is Auto Insurance Really Necessary?

Yes. In fact, in some states, it is illegal not to have any coverage. Many state governments will also allow someone with proven finances to cover payment in case of an auto accident for which they are liable, but most people don't have that kind of money. Auto insurance is protection against sudden a financial hardship caused by a car accident. Even if it isn't required by law, it is still highly recommended, since a good insurance policy will pay the costs of a hospital stay, therapy, and even loss of income, when such is necessary.

Who Is Covered By Auto Insurance?

When the policy is being formed, it includes a list of drivers who will receive coverage for a specific vehicle. It usually includes the main policy holder, the policy holder's spouse, and any other family members of legal driving age in the household, but it can include others who will use the vehicle as well.

What Falls Under Auto Insurance Coverage?

Most states require a driver to have a certain minimal amount of liability insurance. Required liability insurance generally only applies to damages or injuries caused to others, but that is not enough for effective coverage. Different drivers have different needs in Iowa and there is probably a good policy for each one of them. Following are a few other things insurance might cover:

•  The car of the policy holder: It doesn't have to be a single car. Many policy holders have more than one car on the policy. The vehicle can be insured not only against liability but against collision, regardless of fault. There is coverage for vandalism, or such ‘acts of God' like extreme weather or falling objects.

•  The policy holder or the policy holder's passengers: The people inside the car can be covered under the insurance policy as well, so their medical costs can be paid in case of an accident, up to the agreed-upon amount in the insurance policy.

•  The policy holder, the passengers, and the car against uninsured or underinsured drivers: This merely covers the costs of being hit by a driver without adequate insurance.

What Causes Changes In The Auto Insurance Premium?

Policy rates are affected by a number of factors, including place of residence, the type of car under the policy, and any safety features the vehicle may have. Previous driving record is almost always a factor, as is age. Older drivers receive a reduced cost, as they tend to be more careful than younger drivers.

Free Auto Insurance Quotes in Iowa

Adair County
Floyd County
Monona County
Adams County
Franklin County
Monroe County
Allamakee County
Fremont County
Montgomery County
Appanoose County
Greene County
Muscatine County
Audubon County
Grundy County
Obrien County
Benton County
Guthrie County
Osceola County
Black Hawk County
Hamilton County
Page County
Boone County
Hancock County
Palo Alto County
Bremer County
Hardin County
Plymouth County
Buchanan County
Harrison County
Pocahontas County
Buena Vista County
Henry County
Polk County
Butler County
Howard County
Pottawattamie County
Calhoun County
Humboldt County
Poweshiek County
Carroll County
Ida County
Ringgold County
Cass County
Iowa County
Sac County
Cedar County
Jackson County
Scott County
Cerro Gordo County
Jasper County
Shelby County
Cherokee County
Jefferson County
Sioux County
Chickasaw County
Johnson County
Story County
Clarke County
Jones County
Tama County
Clay County
Keokuk County
Taylor County
Clayton County
Kossuth County
Union County
Clinton County
Lee County
Van Buren County
Crawford County
Linn County
Wapello County
Dallas County
Louisa County
Warren County
Davis County
Lucas County
Washington County
Decatur County
Lyon County
Wayne County
Delaware County
Madison County
Webster County
Des Moines County
Mahaska County
Winnebago County
Dickinson County
Marion County
Winneshiek County
Dubuque County
Marshall County
Woodbury County
Emmet County
Mills County
Worth County
Fayette County
Mitchell County
Wright County

Major Cities in Iowa

Ames
Des Moines
Sioux City
Cedar Rapids


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