Car Insurance - Des Moines, Clive and All Iowa

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Car Insurance Options

Whether you are in Des Moines, Clive, Pleasant Hill or even out in Ottumwa, all of the insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.

Insurance for All Iowa Vehicles

Your car costs a pretty penny. You realize that every time you pay your statement or visit the mechanic. So, if something damages your car, that’s a lot of money down the drain. With the right insurance, you can adequately protect your financial interest in the car.

At the Iowa Insurance Store, we can insure almost any vehicle you own, including

  • Standard Automobiles
  • Trucks
  • RVs
  • Motorcycles
  • Conversion Vans
  • Classic Cars

What Does Basic Car Insurance Cover? 

Liability coverage

If you are at fault in a car accident, this coverage can help you repay those to whom you called home.

In Iowa, what are your minimum car insurance requirements for coverage?

Iowa requires all drivers to carry minimum liability insurance valued at

Bodily Injury Coverage: $20,000 per person/$40,000 per accident

Property damage liability coverage: $15,000 per accident

Which none of these coverage limits are near enough if you are in serious accident

Medical Payments coverage

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage. In case you get hurt in an accident, this protection can help you cover you’re your health insurance deductible, your own medical bills or lost income. 

Personal Injury Protection

While Iowa does not require you to carry Personal Injury Protection, which is also known as No-Fault coverage, this coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage

Iowa requires all insurance policies to offer this coverage. It protects you in case another driver doesn’t have enough liability insurance for your losses. You can choose to reject this protection. 

Optional coverage

Do you need roadside assistance, towing protection, Windshield protection, OEM parts, New Car Replacement, or GAP coverage? Many policies can help you pay residual costs that might accompany vehicle problems. 

With us, you won’t find it hard to choose the right car insurance. We’ll search dozens of top-rated policy options to help you find a perfect fit. And you’ll still pay an affordable price for your policy. We want to take the stress out of searching for the right car insurance.

Committed to Your Service

It’s the client’s needs that keep us focused. We’ll help you understand your policy, not just issue what we think you’ll like. If you ever have questions, concerns or want changes, we’ll help you get answers.

Looking for an SR-22? We understand the situation and can lead you to the right coverage. 
Click to View more info on SR-22 Insurance

So, don’t hesitate to call us today at 515-964-2927, or request a policy quote online. We’re standing by to help you get effective car insurance.

Additional Resources:

Proudly Insuring: Altoona, Ankeny, Clive, Des Moines, Grimes, Johnston, Pleasant Hill, Urbandale, Waukee, West Des Moines, Windsor Heights, Ames, Bettendorf, Cedar Rapids, Centerville, Council Bluff, Davenport, Fort Dodge, Iowa City, Indianola, Knoxville, Marshalltown, Monroe, Oskaloosa, Osceola, Otummwa, Pella, Pleasantville, Waterlook and Webster City