Just renewed my car insurance and realized Iowa's minimum coverage is actually pretty low—like, barely enough to cover a fender bender if you're unlucky. My agent suggested bumping it up a bit, and honestly, it wasn't much more expensive. Figured I'd share since I had no clue before today, lol. Curious if anyone else has tips or hacks for getting decent coverage without emptying your wallet...
Good call mentioning this—I just bought insurance for the first time a couple months ago and honestly had no idea what I was doing. A few things I learned:
- Minimum coverage seemed tempting at first (cheap!), but after reading some horror stories online, I bumped mine up too. Didn't cost much extra, like you said.
- Shopping around helped a lot. First quote I got was way higher than the third or fourth one.
- Bundling with renter's insurance saved me a bit more.
Still skeptical about insurance companies in general, but better safe than sorry, I guess...
