Automobile

 

At Iowa Mutual, we know that having the right automobile policy is crucial. We also believe it's important that you know the protection your automobile policy provides. Whether it’s our Advantage coverage for the driver who’s gaining road experience, Standard coverage, or our Ultimate coverage for the seasoned roadway veteran, Iowa Mutual and your Iowa Mutual agent can help you get the right coverage for your needs.

Please review the important coverage options on this page and discuss them with your Iowa Mutual agent. Working with an experienced Iowa Mutual agent is the best way to ensure you have the coverage you need.

And, your Iowa Mutual agent can help you get coverage for your motorhome, camper or trailer as part of a customized automobile insurance program.

Our Personal auto policy provides all the protection you need for your car in one package.

 

Liability

Protection against bodily injury and property damage claims

• Damage to other cars
• Damage to property of others
• Court costs, legal expenses and bail bonds
• Bodily injury/death of others
• Doctor bills and hospital expenses
• Funeral expenses

 

Medical Payments

For loss due to injuries to you and your passengers

• Doctor bills and hospital expenses
• Ambulance bills
• Funeral expenses (Does not apply in no-fault states)

 

Physical Damage
For damage to your auto
Collision Protection

• Accidents involving other vehicles
• Overturn

 
Uninsured Motorist Protection

For bodily injury losses caused by uninsured or hit-and-run motorists

• Covers you, your family members and guests occupying your covered auto
• Covers you and household family members while pedestrians
• Underinsured protection for you and your family (subject to state availability)

Optional Protection 

• Towing and labor
• Rental reimbursement
• Loan/lease coverage
• Audio equipment (e.g., tapes and compact discs)
• Communication equipment (e.g., cellular phones)

 

 

Iowa Mutual’s Advantage Auto program provides the coverage you need—no more, no less—at a competitive price. Your Iowa Mutual agent can discuss the program details with you.

 

Features

• No supporting coverage needed (except for drivers under 20 years of age)
• Reduced costs may be available as driving record improves
• Opportunity for advancement into Iowa Mutual’s Standard Program

 

Discounts

• Claim-free Renewal Discount If claim-free for three years with no lapse in coverage
• Multi-Car Discount
• Multi-Policy Discount (10% for IL, 15% for IA & NE)

 

• 5% New Business Claim-free Discount All coverage within a new account must be loss-free for three years.*
• 15% Multi-policy Discount (10% IL) Applies to a new or renewed account and must include both a Homeowners policy (excluding HO-4) and a Personal Auto policy.
• 20% IM Special Discount Additional credit if requirements are met.
• 5% Renewal Discount Applies to monoline or package policies after the first policy period.
• 5% Renewal Claim-free Discount Additional credit for accounts having zero loss in the previous three-year period.*

Applicable when eligibility requirements are met to Ultimate, Premier, Standard, & Advantage Personal Auto, Motorcycle, All-terrain Vehicles, Comprehensive Personal Liability, Dwelling, Homeowners and Personal Inland Marine.

*Claims under UM/UM or physical damage other than collision are not included in the claims-free discount calculation.

 

No coverage is provided by this website. This website only illustrates coverages offered under Iowa Mutual’s Automobile Program. It is not a statement of all policy coverages, provisions, conditions or changes. Certain deductibles, provisions and limits may apply. Please see your Iowa Mutual agent for a complete listing of policy coverages and provisions. If there is a conflict between this website and the policy, the policy provisions shall prevail.