Best cheap car insurance quotes in Hiawatha
Iowa has a minimum liability insurance requirement, which is the minimal amount of car insurance you must have in Hiawatha and provides the cheapest rate. But minimum liability isn’t always enough coverage—and you should consider purchasing full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Hiawatha
To hit the road legally, Hiawatha drivers need to meet Iowa minimum coverage limits for
bodily injury liability and
property damage liability.
Iowa minimum liability coverage includes $20,000 in bodily injury liability per person, $40,000 per accident, and $15,000 for damage to property. This coverage is commonly known as 20/40/15 insurance.
With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Here are some examples of Hiawatha car owners that Jerry recently helped obtain minimum liability coverage.
Hiawatha, IA (Zip Code: 52233)
Do you need more than minimum coverage in Hiawatha?
Most drivers in Hiawatha need higher liability coverage than the 20/40/15 state minimum mandated by
Iowa car insurance laws.
In an at-fault accident—i.e., an accident that you cause—you could be responsible for medical bills and vehicle repairs well over the 20/40/15 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above that $15,000 property damage limit.
It’s important to remember that
Iowa’s car accident laws allow drivers to file bodily injury lawsuits for up to two years after a car accident and sue for property damage for up to five years—so your liability extends long past the actual accident date!
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Hiawatha
Full coverage car insurance is the best way to protect yourself from costs associated with repairing or replacing your vehicle.
Full coverage includes comprehensive and collision insurance.
Collision coverage covers the cost of fixing or replacing your car after an accident.
Comprehensive coverage pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters. If you bought your car with a loan, your lender will typically require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
|Insurance Coverage||Insurance Company||Premium (monthly)||Customer||Car|
• 100,000/300,000 Liability
• Comp / Collision
|Nissan Kicks S|
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
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