Ankeny Car Insurance

Your Complete Guide to Ankeny, IA, Car Insurance

How to connect with a local adviser

Ankeny Iowa Car Insurance

In Ankeny, IA, there is a large population of 62,416 residents. If you're one of them, you'll need car insurance to use the streets. To comply with state law, you'll have to meet specific insurance requirements. 

An independent insurance agent can help with policy and premium options. They work on your behalf at no cost so that you can get the best coverage out there. Connect with a local expert to start saving.

Auto Insurance Requirements in Ankeny, IA

In Ankeny, IA, auto insurance is required when you use the roadways. Coverage is necessary at the state minimum limits. Check out the required auto insurance for Ankeny, IA.

  • A minimum liability of $20,000 per person/ $40,000 per accident/ $15,000 property damage.  

Another coverage that is not mandated but just as important is uninsured/underinsured motorists coverage. This will protect you and your family when an accident occurs with an uninsured at-fault driver. Take a look at the facts.

  • The national average of uninsured motorists: 13.0%
  •  The Iowa average of uninsured motorists: 8.7%

Coverage Options in Ankeny, IA

While state minimum liability limits may be required in Ankeny, IA, everything else has to be added. If you want coverage for vehicles and other roadside options, you'll have to pay for it. In the meantime, check out some options.

  • Gap coverage: Pays for the difference in your remaining loan balance and the market value when a total loss occurs.
  • Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
  • Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 
  • Comprehensive coverage: Will pay for property damage to your vehicle that is hit by an unavoidable object.
  • Collision coverage: Pays for property damage to your car in the event of a crash.

Umbrella insurance is another way to add coverage for a low price. This separate policy will supply an additional limit of liability protection for a more substantial loss. When your underlying auto coverage is exhausted, umbrella insurance will kick in.

What Impacts Your Auto Insurance Premiums in Ankeny, IA

Insurance companies use personal data, among other things, when rating your insurance policies. Some will be outside of your control, but they are still good to reference. Check out rating factors the insurance companies use below.

  • The coverages you choose
  • Policy discounts that may apply 
  • Your claims history
  • Your insurance score
  • Catastrophes reported 
  • Local crime rates 
  • Your motor vehicle record (MVR)

Let's take a peek at the auto theft rates per 100,000 people

  • National average: 228.9
  • Iowa average: 163.6
  • Ankeny average: 62.2

Check out local disaster numbers that impact your costs in Ankeny, IA:

  • The number of natural disasters in Ankeny: 13
  • Major disasters declared: 12 
  • Emergencies declared: 1

For immediate savings, consider bundling. When you put your auto and home insurance with the same carrier, you'll get a discount. Usually, 30% or more in premium savings is to be expected.

Uber and Other Rideshare Services in Ankeny, IA

Your Ankeny, IA, personal auto policy will not have coverage for livery or rideshare services. That means if you drive for Uber or Lyft, you'll be without protection. To better prepare, get a policy that provides insurance for all your exposures. 

Commercial auto insurance will extend limits of coverage for a rideshare service loss. Since you are operating a business, you'll need business insurance. Commercial auto coverage is the best way to get insurance for the transportation of passengers. 

How an Ankeny, IA, Independent Agent Can Help

The majority of states require auto insurance at some level. Ankeny, IA, is no different. To have adequate coverage, you'll need a policy that meets state guidelines and protects all your assets and exposures.

An independent insurance agent can help you find coverage for a fair price while complying with local law. Since they have access to several carriers, you will have more than one option. Connect with a licensed professional on TrustedChoice.com to begin. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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