Auto Insurance

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Auto Insurance Information

Auto Insurance in Charles City, IA and Floyd, IA

Purchasing a car can be a very expensive investment. Auto insurance is a great way to ensure you’re doing the most to protect the value of your car. That is why Shankland Insurance is committed to getting you the right auto policy for your needs.

What is auto insurance?

Auto insurance exists to protect you from hefty financial losses due to unexpected accidents. Essentially, it is a contract between you and your insurance company. If you are involved in a car accident (or experience another hazard involving your vehicle), having auto insurance will assist you greatly, as your insurance company will step in and cover some of or all of the losses resulting from your damaged vehicle, injuries and related losses.

What do auto policies cover?

Iowa law requires minimum liability coverage covering the following:

$20,000 of bodily injury to or death of one person in any one accident;
$40,000 because of bodily injury to or death of two or more persons in any one accident; and
$15,000 because of injury to or destruction of property of others in any one accident.

The perks included within the policy you choose are generally up to you, but auto policies can offer expansive benefits such as:

Liability Insurance: Insures you against damage you cause others if you are at-fault in a wreck.

Bodily injury liability coverage pays for their medical bills (and in some cases deaths)

Property damage liability pays for damage to the other driver’s property, like their car.

Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance: Pays for damage from non-accident mishaps, like weather damage.
Medical Coverage: Pays for your medical bills and those of your passengers.
Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.

Other coverage offers help for roadside assistance and rental car coverage.

Contact your agent about including these protections in your coverage.

Why do you need car insurance?

In most cases, you are required to have some type of coverage. It is important to not settle for the bare minimum, though, as it could hurt you in the future if something were to happen. Adequate coverage is essential for financial protection if an accident happens. Ensure you’re properly covered with the right plan. Talk to your agent about the most comprehensive and affordable policy for yourself.

Questions to ask your agent

We are here to assist you in ensuring you have the right auto insurance policy through continuous support and assistance. Our agents are knowledgeable, experienced and here to guide you every step of the way.

Here are some things to consider as you select your coverage:

How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims? (Some might be more convenient for you than others).
What discounts are available? (Ask about good driver, multiple policy and student discounts.)