Cheap Des Moines IA Auto Insurance

Cheap Car Insurance in Des Moines

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The State of Iowa requires drivers in Des Moines to purchase an automobile insurance policy that will pay at least $20,000 if one person is injured in an at-fault collision. IA motorists must also carry at least $40,000 in insurance to cover multiple people injured in a single accident. In addition, drivers in Des Moines must have at least $15,000 worth of property damage coverage. This is often referred to as 20/40/15 coverage.

Teen Drivers and Auto Insurance:

Without a doubt, the group with the most accidents in Des Moines is the teenage driver group. Because of the high risk presented to insurance companies by this group, it is a natural consequence that teenage drivers are charged higher premiums for auto insurance.

Discounts such as "Good Student" or "Drivers Education Class" will certainly help, but a teenage driver can still increase a family's insurance premium by 50 to 100 percent.

It cannot be stressed too much that young drivers need to stay attentive and totally focused when driving.

Senior Drivers

Some Iowa insurance companies give a discount on auto insurance for drivers who are between the ages of 55 and 70. Statistics prove that this age group has some of the safest drivers on the road.

But when drivers get above the age of 70, their skills start to wane. Their reflexes slow down, and their number of fatal crashes goes up.

Therefore, insurance rates go up for seniors over 70. However, many insurance companies will give a discount to any senior driver who takes a driver refresher training course.

Car Insurance Classifications:

Iowa insurance companies put drivers into classifications when determining premium rates for auto insurance.

A number of factors are used to classify each driver. Some of the factors used are:

(1) driving record,
(2) credit record,
(3) gender,
(4) age,
(5) former insurance record,
(6) where your vehicle is housed,
(7) marital status,
(8) annual miles driven

Distracted Drivers

According to the Insurance Information Institute, one out of every four automobile accidents are caused by inattentive driving or drivers being distracted. That adds up to a whopping 1.5 million crashes a year.

Some of the culprits are: changing the radio station, text messaging, and turning around to talk to someone else in the car.

Without question, cellphones and texting were responsible for the most accidents. But drivers were also guilty of eating, drinking, using a laptop, reading, writing, and using a navigational aid.

When concentration is compromised, driving is impaired. That jeopardizes safety.

Auto Theft

Automobile theft is a major problem, especially in more densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost auto insurance. The total number of stolen vehicles reported during 2015 in the Des Moines-West Des Moines, IA Metropolitan Statistical Area was 1,237 which could negatively impact your available auto insurance rates.

Most Frequently Stolen Vehicles in Iowa for 2015
  1. 2002 Chevrolet Full Size Pickup
  2. 2001 Ford Full Size Pickup
  3. 2005 Chevrolet Impala
  4. 2004 Dodge Pickup (Full Size)
  5. 2003 Ford Taurus   6. 2005 Jeep Cherokee/Grand Cherokee
  7. 2007 GMC Pickup (Full Size)   8. 1997 Toyota Camry
  9* 2005 Dodge Caravan
  9* 1999 Pontiac Grand Prix

Winter Auto Damage

Winter weather can bring some potential disasters to a motor vehicle. For example, a large chunk of ice can dislodge from a vehicle traveling on the roadway and be thrown onto another car. Or tree limbs laden with ice can break off and fall onto a parked vehicle.

The type of auto insurance that will cover these types of damage is comprehensive coverage. This is not a mandatory coverage required by the state. It is an optional coverage which usually carries with it a deductible amount that is required to be paid up front before any benefit is paid by the insurance company.

Most lending institutions require this type of coverage for anyone getting an auto loan through the institution.

Report Changes

Always report changes as soon as possible to your insurance company.
The following are some of the changes that should be reported.

(1) Change of address

(2) Change of marital status

(3) Change of employment

(4) Change in annual mileage

(5) Addition or sale of vehicle

(6) New driver in household

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