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Are many people paying more than necessary for their car insurance in Des Moines? How would they know? Unless you compare quotes from competing insurance companies, there is no way to know. We can help with that dilemma. Simply put your zip code into the box above, and get started getting personalized instant quotes for you from auto insurance companies in the Des Moines IA area offering discount rates for coverage. 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. 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. 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 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. 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.
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