Car Insurance Requirements In Des Moines
When you are shopping for car insurance in Des Moines it can be helpful to know what amount of coverage you need so that you have a price floor from which to make your decisions. For the state of Iowa the only type of car insurance coverage that you are required to have is liability coverage. Exactly how much is necessary? You must have at least 20/40/15. In other words you are required to have 20000 in bodily injury liability for one person in an accident 40000 in bodily injury liability for all people in an accident and 15000 in property damage liability. Bodily injury liability covers medical expenses income lost and/or pain and suffering. Property damage liability covers damage to cars as well as nonmoving property such as parked cars fences bus shelters or telephone polls. But keep in mind that liability coverage does not protect you but those around you!
Is it okay to only get the minimum liability coverage? That depends. If you think that you’ll have enough money out of your pocket to pay others for damages then you can afford to get coverage that is closer to the minimum amount of liability coverage. However most of us don’t have that kind of luxury. It is recommended that you have liability coverage in the form of 100/300/50 according to insure.com.
There are of course other types of insurance which you should consider. These include collision insurance comprehensive insurance uninsured/underinsured motorist and GAP insurance.
Also before shopping around for Des Moines car insurance it is best to find out which discounts you might be eligible for.
About the writer: Nick a car insurance enthusiast has a more detailed Des Moines Car Insurance Guide.
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