Davenport Car Insurance

Your Complete Guide to Davenport, IA, Car Insurance

(And how you can find the best coverage)

Davenport Iowa car insurance

Davenport, Iowa, is right next to the mighty Mississippi River and home to more than 50 parks. This labeled green city is lively and diverse.

If you are one of the 102,320 residents who occupy these historic streets, you'll need protection. You can find the best car insurance through an independent insurance agent. Connect with an independent agent on TrustedChoice.com to get started.

Davenport, IA, Car Insurance Requirements

Almost every state has laws in place that require drivers to have minimum liability limits to use the roadways. Each city in Iowa is mandated by the government to enforce the minimum insurance requirements.

Minimum Car Insurance Requirements for Davenport, IA:

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

If you are ever driving around without at least the minimum, you could be fined or even jailed. The state liability limits are the least amount of coverage you can get. With the cost of replacing a totaled car being over $30,000, you may want to increase those limits. Speak with your Davenport independent agent to get the liability coverage you need, so you don't have to pay out of pocket.

Other Car Insurance Coverage You May Need in Davenport, IA

Car insurance is customized to your specific needs. The number of vehicles you have and drivers on the policy will determine the amount of coverage needed. Let's take a look at other coverage options for your Davenport, IA, policy:

  • Towing insurance: This pays for the tow service of a covered auto.
  • Gap insurance: This pays the difference between the loan amount due and the market value of a covered auto.
  • Rental car insurance: This pays for a rental car in the event of a covered loss.
  • Comprehensive insurance: This pays for property damage to your vehicle when it's not a collision loss.
  • Collision insurance: This pays for property damage to your car or when a collision loss occurs.
  • Medical payments insurance: This pays for a smaller medical expense of a filed claim without using your liability limit.

Other Liability Insurance in Davenport, IA:

Your liability limits are one of the most used coverages and the backbone of your auto policy. If you lack enough liability insurance, then you could be putting your finances at risk. A way to protect yourself and loved ones even further is to get an umbrella policy. An umbrella policy will give an additional limit of liability over your underlying auto insurance. That way, if a four-car pileup happens and you're at fault, you'll have the liability coverage you need. 

Your local independent agent can go over which optional coverages you need and which ones you should have. Ultimately the choice is yours, but having a trusted adviser in your corner doesn't hurt. 

Uninsured Drivers in Davenport, IA

A percentage of drivers on the roads go without car insurance. For one reason or another, they break the law and put other people in danger. If you are involved in a car accident with an uninsured driver, you'll want uninsured/underinsured motorist or UM/UIM insurance. Take a look at the percentage of uninsured drivers:

  • National average: 13.0%
  • Iowa average: 8.7%

When an uninsured driver is at fault for a car accident but has no insurance, your UM/UIM coverage will pick up your medical and property damage expenses. If you do not select UM/UIM insurance, you will have to pay out of pocket for another driver's lack of coverage. Discuss UM/UIM options with your agent to make sure you have proper protection.

Do Vehicle Break-ins Affect Your Davenport, IA, Insurance Premium?

Theft rates and crime in a city will impact your insurance premiums across the board. The carriers are looking at how many theft claims are reported and paid out, and then they will make up the dollars lost by surcharging each insured in that city. Let's take a peek at the theft rate averages: 

  • National theft rate: 2.37
  • Iowa theft rate: 1.59
  • Davenport theft rage: 3.56

The city of Davenport is quite large, and due to the number of people, crime may be more apparent. The best way to know how the local theft rate will affect your car insurance is to get quotes from your independent agent.

The Cost of Car Insurance in Davenport, IA

The cost of car insurance differs from person to person. There are varying factors that the carriers use to determine your insurance rates. If you are aware of what those rating factors are, you can be better prepared. 

Your Davenport Car Insurance Rating Factors:

  • Crime rate 
  • Your credit score
  • Your age
  • The coverage selected
  • The vehicle and driver insured
  • The motor vehicle records of each driver
  • Your address

Your rate can be very different from these averages because there are so many individualized factors. However, it's still good to know what the national and state premium rates are. Let's look at the numbers:

  • Average national car insurance rate: $1,005
  • Average Iowa car insurance rate: $1,352

Chat with your Davenport independent agent to get your specific car insurance costs. 

Do You Drive for a Ridesharing Service in Davenport, IA?

Davenport, IA, is a big area, and the need for an Uber driver could be significant. Livery for hire or rideshare services are usually prohibited on your personal auto policy. That means if you're in an accident and the carrier finds out you have been using your vehicle for business purposes, they could deny the claim and cancel the policy. 

A commercial auto policy is likely the coverage for your Uber business needs. A local independent agent can help you discover which car policy is right for your situation to be well protected.

Match with a Local Independent Agent in Davenport, IA

An independent insurance agent can be the right move when it comes to finding the best coverage. They work with several carriers so you can shop around without all the hassle. 

A Davenport independent agent is local and knows the exposures to insure. Go to TrustedChoice.com  to connect with an independent agent today. 

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