Auto Insurance in West Des Moines & Urbandale, IA
Auto insurance can help provide financial protection if you are involved in an accident or an incident outside your control damages your vehicle. Contact McCartan Insurance Group in West Des Moines, Iowa, to learn more about your auto insurance options.
Is Auto Insurance Required?
Yes, auto insurance is required in Iowa. Drivers in Iowa must carry minimum amounts of liability insurance to pay for damages and injuries they may cause in an accident.
While Iowa drivers are required to have financial responsibility (meaning the ability to pay for damages and injuries after an accident), they aren’t specifically mandated to have insurance. In practice, however, most people meet this requirement by purchasing liability insurance.
Insurance regulations are subject to change without notice. Consult with an Iowa insurance agent for the most current regulations and requirements.
How Much Auto Insurance Is Enough?
Your auto insurance should adequately cover your assets. The injured party could sue you for damages if you’re determined to be at fault in an accident. The more you own, the more coverage you typically need to protect yourself from potential lawsuits.
If you have a newer or more valuable car, you might want comprehensive and collision coverages to protect your investment. However, if your car is older or has a diminished value, paying for these coverages might not be cost-effective.
As your life changes, so do insurance needs. Regularly review your policy, especially after significant milestones like buying a new vehicle, changing jobs or expanding your family.
The right amount of auto insurance balances state requirements, personal assets, vehicle value, individual needs and your financial comfort level.
Contact McCartan Insurance Group today to start comparing auto insurance quotes.