Des Moines drivers know the value of their Des Moines car insurance policy. With the traffic congestion in this growing city getting worse every year, chances of getting in a car accident are higher than ever. The metropolitan area has over half a million people and the business of the roadways show it.

In addition, multiple interstates converge in the Des Moines area, adding to the volume of vehicles on the roads. The most populous city in the state, it also accounts for the vast majority of traffic fatalities. Having good car insurance in Des Moines is vital.

Know What Kind of Des Moines Car Insurance You Need

In Iowa, all car owners must carry bodily injury liability of $20,000 per person and $40,000 per accident, as well as $15,000 in property damage liability. These limits are very low and are often insufficient to cover the expenses associated with a serious accident. Therefore most insurance professionals will suggest limits of $100,000 and $300,000 for bodily injury liability and $100,000 for property damage liability.

Next you will want to consider the different types of optional Des Moines car insurance coverage. Considering the facts that the state has such low liability requirements and there are still 12% of people who do not even bother with insurance at all in Iowa, carrying uninsured and underinsured motorist coverage is a very smart move.

Collision and comprehensive coverage are necessary to pay for damages to your vehicle caused by an at-fault accident, animal collision, theft, fire and a variety of other perils.

However, whether or not you carry it often depends on the age and value of the vehicle. If your vehicle is financed, your lender will require you to carry it. Personal injury protection (PIP), is a good type of coverage to carry, especially for those without health insurance or with plans that offer limited coverage.

Finding a Deal on Des Moines Car Insurance

Even though Iowa is ranked as the having the second lowest car insurance rates in the nation, as the economy worsens and people try to cut expenses, Iowans want even lower rates on their car insurance.

In order to get it, we need to shop around and find the best price possible for in this market. The best way to find a good deal on Des Moines car insurance is by getting lots of quotes and comparing them. It sounds time consuming, however by using an online quote tool like the one on the top of this page, you can get the quotes you need for comparison in less than the time it takes to make one phone call to an insurance company.

There are also some facts you need to know about car insurance in order to keep your cost as low as possible. There are lots of ways to get discounts on your car insurance. Below are some of them.

• Make sure you choose a vehicle that comes equipped with safety devices, like anti-lock brakes, passive restraint devices and air bags.
• Have an anti-theft device installed if your car doesn’t have one.
• Put low mileage on your car yearly.
• Raise the deductibles on your collision and comprehensive coverage.
• Remove your collision and comprehensive coverage if your car is older and not financed.
• Take driver training courses when possible to keep minor citations from affecting your insurance and to improve your skills as you age.
• Investigate the savings you may earn by opting for a different payment method.
• Put your car and home insurance with the same insurer for a multi-line discount.
• Ask about any other discounts you may be eligible for. Each company is different and has different guidelines for discounts.

Choose Between the Des Moines Car Insurance Options Available

When you start comparing Des Moines car insurance quotes, you will easily limit yourself to a few companies to choose between based on price alone. This is when your real homework begins. Before you make the decision of which company to go with, look beyond the price they are offering you.

It is important to check into the financial stability of any insurer you are planning to use. You can do this by getting their insurance rating from one of the independent insurance rating companies like A.M. Best, Standard & Poor’s or Moody’s. Based on a variety of information, this is a great way to determine if the company you are considering is financially sound. You can also check a company’s commitment to customer service by finding their complaint ratio through the Iowa Insurance Division website.

Compare Des Moines Car Insurance Quotes!

By knowing exactly what you need in car insurance, how to get the best deal on it and how to choose between the many different companies out there, you will be sure to get the best Des Moines car insurance at the best price possible.

Enter your zip above to start comparing free Des Moines auto insurance quotes online now!