Category: Auto Insurance

If you are driving in Iowa, you need to carry certain documents in your vehicle to be in compliance with the law. You can be fined or worse if you are pulled over for any reason and are not able to produce the required documents. At Maschoff Insurance in  Ankeny, IA, we are dedicated to making sure all of our customers have the auto insurance that they need. 

Documents to carry in your vehicle:

Vehicle registration

The state of Iowa requires that you have a legal title and registration for your vehicle. While you are not required to carry the title in the vehicle, you must carry the registration. To register your vehicle for the first time, you must show the title. If there is a lien on the vehicle, that should be noted. Keep your registration up to date, which means letting them know if your address is changed. Registration renews yearly. 

Insurance card

While you don’t need to show proof of insurance to register your vehicle, you do need to have auto insurance in Iowa to drive the vehicle. The required coverage is liability and the legal minimum is 20/40/25. This allows $20,000 for injuries to the first person, $40,000 for all injuries, and $15,000 for damage to property. When you get auto insurance, your agent or the carrier will send you an insurance card to confirm it and this proof needs to be in the vehicle.

Drivers license

Many people use their driver’s license as a picture ID so they have it on their person at all times. It does not need to remain in the vehicle but should be available if you are asked to provide it. When you are in the vehicle, it should be in the vehicle. 

Give Us A Call

Contact Maschoff Insurance in Ankeny, IA when you want to discuss your auto insurance coverage and get a no-obligation quote. 

Full coverage auto insurance typically provides liability, collision, and comprehensive coverage. This coverage protects you from damages associated with an accident, acts of nature, and theft. Full coverage is often more than the minimum state requirements; however, many Ankeny, IA lenders require full coverage during the loan term. 

Call the agents at Maschoff Insurance today to discuss full coverage auto insurance options available. 

What Is Full Coverage Auto Insurance?

Full coverage provides several coverage options together to build a complete auto insurance policy. Typical full coverage policies include liability, collision, and comprehensive coverage. In most situations, full coverage also includes personal injury protection, uninsured and underinsured motorist coverage. 

How Much Does Full Coverage Auto Insurance Cost? 

In addition to what your policy includes, many factors affect the cost of auto insurance premiums. These factors include driver’s age, driving record, insurance company, deductible, coverage limits, geographic location, and vehicle (make, model, mileage, and age). On average, full coverage costs around $350 per month. 

Do I Need Full Coverage Auto Insurance? 

No one auto insurance policy fits every driver on the road or fits all your driving and insurance needs. There are times when you may wish you had full coverage auto insurance, but it is too late. Reasons why you may need full coverage insurance include: 

• You bought a new car
• You live in a high-risk area
• You cannot afford to repair or replace your vehicle

Full coverage auto insurance may not be the best option if you rarely drive your vehicle or the car is not worth a lot of money. 

Insuring your vehicle in Ankeny, IA is essential to protect yourself financially in the event of an accident or theft. Call Maschoff Insurance today to discuss your auto insurance needs and to determine if full coverage is the best option for you.