Reader’s Question: In Iowa, what determines your car insurance rate? Jeff Des Moines, IA   According to the Iowa Insurance Division (IID) factors such as the type of car you drive, the primary driver of the car and where the vehicle is garaged can affect rates. But the main factor that car insurance companies look [...]

Reader’s Question: I’m from Iowa and I recently bought my first car, and insurance for it. Will my car insurance company cancel my coverage if I get involved in an accident within a month? Brian Waterloo, IA Car insurance coverage was designed to protect the vehicle and its passengers from the potential risk of costly [...]

Reader’s Question: I have had my 2004 vehicle for ten months and I crashed it into a tree. I had let my car insurance lapse two months ago so I did not have car insurance coverage. I was hospitalized for several weeks. Should I inform my finance company in Des Moines, IA? What will happen [...]

Reader’s Question: My question is, can two person be insured on one vehicle through two different insurance carriers? Reed West Des Moines, IA It might be possible to have 2 separate car insurance polices for 2 different people on one car in West Des Moines, IA. Insurance guidelines vary though so you may want to [...]

Reader’s Question: What is the insurance policy for guest drivers in Dubuque Iowa? Jenkins Dubuque, IA Insurance provider’s guidelines as well as individual car insurance policy terms in Dubuque Iowa vary but generally if you permit a guest to drive your car normally your auto insurance coverages will extend to this individual that you have [...]

Reader’s Question: I was in an accident an was at fault, will my insurance carrier increase my insurance premium rate only when I renew my insurance policy in Sioux City Iowa? Brad Sioux City. IA Generally car insurance rates are not changed mid-term but instead when it is time to renew your insurance policy. An [...]

Reader’s Question: I am 75 years old and I was told that the car insurance rates are higher in Iowa for those in my age group. Is this true for all insurance companies? Tyrone Davenport, IA Yes, some insurance providers do charge higher insurance rates for mature motorists who are over a certain age, such [...]

Reader’s Question: What are some important factors that may affect my car insurance rates in Des Moines, Iowa? Gerald Des Moines, IA   According to the Iowa Insurance Division (IID) that factors such as the type of automobile you operate, who the primary driver of the car is and where the automobile is kept can [...]

Reader question: I am told that if I intend to drive again anytime soon, I will have to get a Davenport Iowa SR22 insurance policy. Well, I’ve never had insurance, because I’ve never owned a car, so this is kind of weird for me. Don’t you need a car to get insurance? I drive for [...]