Des Moines Auto Insurance Quotes
Both high-risk and preferred drivers can pay less. Additional discounts are offered by most major companies for good driving, good credit, parking your vehicle off the road, alarm or theft-deterrent systems, and good grades for students. A student-away discount is also available if your son or daughter is away most of the year, and rarely drives. If you are 50 or over, you may also be able to receive additional discounts. Special policies are offered to antique and historic cars, although an appraisal may be required. A "stated value" policy is also a popular option. Newer luxury vehicles can also utilize an appraisal to help with potential claims. NOTE: Low-cost auto insurance is also available in other nearby cities we service, including Urbandale, Altoona, Newton, Ames, Boone, Ford Dodge, Indianola, Clive, and Ankeny.
Instantly view the companies with the lowest rates and get your personalized free online quotes. Simply click on our secure link at the bottom of the page, provide your zip code, and click on an insurer for your quote. There is no cost or obligation. Your personal or financial information is not needed. You can also request free online quotes for other property and casualty products, including homes, motorcycles, and RVs.
By shopping all of the top companies in the Des Moines area, we can find the best prices, and possibly save you as much as 40% on the premiums that you pay. Prices, of course, will vary, depending upon where you live, driving record, and ages of persons that are covered. If you have had a recent lapse in coverage, we'll still search for the best offers. Combining auto and home policies will often result in a 15% savings. Other types of policies that are insured with the same carrier may be discounted, such as motorcycles, RVs, and rental or primary property. With more than 200,000 residents and a medium income of more than $60,000, we're proud to offer affordable policies to our great residents.
With more than 35 years of experience helping consumers lower their premiums, we’ll take the time to find the best offers. All policies will meet the state minimum liability limits of $20,000 per person, $40,000 per accident and $15,000 of property damage. Since $15,000 is a very low amount, increasing the PD limit to $25,000 (or higher) is recommended. Higher bodily injury limits are also a good idea, especially with newer vehicles. We recommend at least $50,000 per person and $100,000 per accident of coverage. Leased vehicles will typically require limits of $100,000/$300,000/$50,000. Special caps on collision and comprehensive deductibles may apply. Once the vehicle is no longer financed, you may change or remove deductibles. You may also keep fire, vandalism, and theft coverage but remove collision coverage. Glass-breakage coverage can always be covered with no deductible.
We specialize in finding the lowest car insurance rates for consumers. We research, compare and find the best deals available in your area. We understand that prices will often change. For that reason, we closely monitor any changes in rates that could help save you money. We also offer the best rates in the local zip codes in the area, including 50301, 50305, 50309, 50313, 50321, 50330, 50310, 50318, 50327, 50331, 50303, 50311, 50315, 50319, 50328, 50332, 50308, 50312, 50320, 50329, and 50333. View the lowest rates anytime online or drive to a broker location at E. Grand Avenue, Court Avenue, Walnut Street, High Street, Farwell Road, E. Euclid Avenue, Ingersoll Avenue, Hubbell Avenue, Douglas Avenue, and Fleur Drive.
If you change vehicles or drivers, we’ll help you determine the most affordable options regarding those changes. If you need servicing or move out of the area, we'll assist in finding affordable coverage elsewhere. Several states are "no-fault," so special requirements may apply. Note: In addition to Des Moines County, other area counties with affordable rates include Louisa, Henry, Lee, Washington, Muscatine, Cedar, Jefferson, and Van Buren. Nearby counties in other states would be subject to the minimum liability requirements of those specific states.
Of course, the Iowa Department Of Transportation helps govern prices and coverage. They also can provide guidance when you need to order additional licenses or vehicle registrations. Additional information regarding carrier complaint ratios and projected price changes can be easily viewed. Driver's education, military license plates, and additional DOT location information can also be easily found. Their secure link is listed below:
Your online quote is free and it will help show you the cheapest prices in the area. Whether you need coverage immediately, a low down-payment, or need to reinstate a license, we can help. If you're 55 and retired, special discounted prices may apply. Older antique vehicles, as previously mentioned, will receive additional reductions. If a vehicle is driven less than 7,500 miles per year, a reduction may also apply.
The Iowa Department of Insurance company search will help you find additional information on carrier news and their safety ratings. When (if) they file for rate increases, you can view details along with their reasoning for raising prices. New companies that enter the Iowa market will have to be approved in advance, regardless if they offer policies in Des Moines or other areas. These companies will also be periodically reviewed to verify financial safety and compliance with Iowa insurance regulations.
• Post ID: 8406857 iowa