Auto Insurance

Auto insurance can help guard your financial stability, even when an unexpected event like a car accident causes property damage or injuries. Contact Cornerstone Insurance Services in Swea City, Iowa, to compare car insurance quotes and get help understanding car insurance prices. 

How Much Auto Insurance Do I Need in Iowa? 

In Iowa, drivers are required by law to maintain a minimum level of financial liability coverage, and having proper auto insurance can allow you to comply with this law. However, this minimum requirement may not be sufficient for all drivers.  

Your agent may recommend that you consider additional car insurance coverage such as collision and comprehensive coverage, uninsured and underinsured motorist insurance, and medical payments (MedPay) coverage to protect yourself and your property financially.  

Consulting with an experienced insurance agent can help ensure that you not only comply with Iowa’s legal requirements but also have the appropriate level of coverage for your specific needs.  

How Long Is Car Insurance Good For? 

The length of time that car insurance is valid depends on the specific policy and terms of the insurance company. Typically, car insurance policies are valid for a period of six to 12 months, after which they may generally be renewed or replaced. 

How Far Back Do Auto Insurance Companies Look? 

Auto insurance companies may look back anywhere from three to 10 years when reviewing a driver’s record, depending on the specific company and state regulations. Generally, minor traffic violations and accidents remain on a driver’s record for a minimum of three years, while more serious offenses may remain for much longer or even permanently, depending on your state. 

Your agent can help you evaluate auto insurance rates and get vehicle insurance that’s appropriate for your situation.  

Contact Us 

Our team of expert agents is here to assist you in finding car insurance discounts. Whether you’re a new driver or have been on the road for years, contact Cornerstone Insurance Services to get the auto policy you need.