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As a car owner, having auto insurance is a must. Accidents can occur anytime, anywhere, resulting in high repair costs. With auto insurance, you can be financially protected from such unexpected expenses. Choosing the right policy for you can be daunting, that's why our agents are here to help you every step of the way. With our expertise at Stephenson Insurance Group, we can help you select the policy that fits your needs and budget.
What Is Auto Insurance?
Auto insurance, also known as car insurance, is a necessary coverage for car owners. It helps to reduce out-of-pocket costs in the event of an accident. When you purchase an auto insurance policy, you are required to pay a premium to your carrier in exchange for financial help. Additionally, most policies require you to pay a deductible, which is an expense you must cover before your insurance can provide you with assistance.
What Does Auto Insurance Cover?
Auto insurance differs among policyholders. Most policies include liability insurance to insure you against bodily injuries and property damage. Additionally, some coverage options included in your policy might be:
Medical payments (MedPay)
Personal injury protection (PIP)
Uninsured/underinsured motorist coverage
The agents at Stephenson Insurance Group can assist you in learning about policy customization options.
Do I Need Auto Insurance?
Iowa law requires all drivers to have liability insurance at a minimum. However, carrying additional coverage options can provide financial protection against various incidents. It may be challenging to cover accident-related costs without auto insurance.
Where Can I Find Coverage?
If you are a car owner in Iowa or Missouri, the knowledgeable agents at Stephenson Insurance Group can help you learn about auto insurance and select the right coverage for you and your vehicle.