Auto Insurance
Figuring out how to buy car insurance doesn't have to be complicated. Don't navigate this difficult process alone. When it comes to choosing the best car insurance, plan ahead.
Talk to an expert who can advise you of your insurance rights and responsibilities.Car insurance experts at Clemon-Maki Insurance in Iowa can help you figure out the best options for buying car insurance to keep you safe in case of an accident. Your local car insurance agent can help you figure out the best car insurance coverage options available.
#1. Does everyone need car insurance?
There are only two states in the US that don't require drivers to carry automobile insurance in case of an accident. Drivers in all 50 states in the US are required to have insurance or pay fines and fees should an accident occur.
#2. Do I have to carry liability insurance?
Liability insurance is a minimum legal coverage that shows financial responsibility for operating a vehicle. They require drivers to carry liability coverage to show financial responsibility in case of an accident where the driver is at fault. Liability coverage helps cover damages for property damage and bodily injury in an accident.
Client #3. What does full coverage mean?
Full coverage insurance in most states includes the basic coverages found in liability insurance with comprehensive and collision insurance coverage. Comprehensive and collision coverage adds protection for damage to vehicles that have been in an accident.
#4. What affects my auto insurance rates?
There are several factors that go into determining your auto insurance rates. These factors include the year, make, and model of your vehicle, your driving history, and insurance coverages you add to your policy. They assign today's drivers an "insurance score" that factors into the process.