Keeping Drivers Secure
Driving is something most of us do; it’s essential in most cases and can even be fun. Driving causes risks however, and these risks can result in significant financial losses in the events of incidences that lead to damages. Auto insurance protects against these risks and keeps drivers secure. At Insurance Services Group we provide this insurance and have an expansive and adaptable auto insurance program through which we provide auto insurance. We will tailor the coverages in this program to your individual needs and ensure that you are fully protected for the right price.
Coverages Tailored to Your Needs
Each driver faces unique risks, although some of the risks he or she faces are much like the risks other drivers face. For this reason, a mix of general, broad coverages and unique, specific coverages is necessary for an auto insurance policy to be effective. At Insurance Services Group we find the right mix and develop insurance plans that are optimal.
We source our coverages from a number of A-rated insurance carriers, with each of which we’re proud to work. These carriers provide us diverse and broad coverages that enable clients to find the best solutions. These coverages include:
- Liability Coverage
- Comprehensive Coverage
- Collision Coverage
- Uninsured & Underinsured Motorist Coverage
- Diminishing Deductible
- Accident Forgiveness
- Minor Violation Forgiveness
- Roadside Assistance
- Specialty Auto Insurance
- 24-Hour Customer Service
- Towing
- Rental Reimbursement
- Personal Injury Protection (PIP)
- Medical Payments Coverage
- Property Damage Liability
- Personal Umbrella
- Sound System
- New Car Replacement
- Better Car Replacement
Vehicle age and condition, geographic location, and driving history all affect coverage selection. These things also affect limits and deductibles, which are integral parts of auto insurance policies. We account for all of the factors that play roles in determining the right coverages for auto insurance policies and guide clients through each step of insurance selection, purchase, and maintenance processes. This way, clients are fully protected for the right costs and are not alone to keep their coverages current.
Working with Insurance Services Group
We’ve insured drivers in South-central Iowa for decades and we know the demands of staying secure in this area. We also know local markets and as a result are able to provide the best solutions. Our experience, knowledge, and abilities distinguish us from captive agents and other independent agents and make us the premier provider of auto insurance in the communities we serve.
In addition to insuring, we manage risk and claims. This helps clients minimize costs and use their insurance in the best ways possible, if and when using the insurance becomes necessary. We help clients identify and implement best practices, which reduce exposures and diminish the possibility that exposures will translate into damages. We also advocate for clients and help them achieve suitable resolutions if and when claims are filed.
Liabilty Coverage
Ensure that You’re Insured.
If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.
If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.
Components of Liability
There are two main components to Auto Liability: Bodily Injury and Property Damage liability.
- Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
- Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.
If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.
It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative at Insurance Services Group today for more information about what Liability Coverage can do for you.
Comprehensive Coverage
Security On and Off the Road.
Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from Insurance Services Group, you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.
At Insurance Services Group, we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:
- Theft or Larceny
- Vandalism and Glass Breakage
- Fire Damage
- Hail, Water, or Flood Damage
- Hitting a Deer or Other Animal
- Damage from Falling or Flying Objects
Other Non-Collision Related Services
In addition to Comprehensive, Insurance Services Group also can offer other non-collision oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.
- Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles—all in one convenient package.
- Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible
Uninsured & Underinsured Motorist Coverage
Not Every Driver is a Responsible Driver.
As a safe driver, obeying street signs, speed limits, and always using your turn signals is simply part of the routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.
Unfortunately, there are those on the road who don’t share the same safety precautions as you, and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket.
It’s Important to be Prepared for Everything
Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to—in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.
Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact Insurance Services Group to find out how you can be prepared for any situation on the road.
Diminishing Deductible
Good Drivers deserve Great Rewards.
As a driver, safety should be one of your top concerns—safety for your passengers and for other drivers on the road. When you find the right coverage with Insurance Services Group, you’ll learn that being a responsible driver has its benefits. With Diminishing Deductible, you can actually get rewarded for being an accident and violation-free driver.
When you sign up for Diminishing Deductible, you’ll receive an immediate $100 credit on your deductible. From there, you can add $100 of more credit for every year—simply by being a safe driver. Drivers under Diminishing Deductible can receive up to a maximum of $500 credit.
For even more options, talk to a representative at Insurance Services Group about Total Loss Deductible Waiver. If your car gets totaled in an accident, and if you’re covered under this waiver, you won’t be responsible for paying your deductible.
It’s just one more way that Insurance Services Group can provide quality coverage options for safe drivers.
Minor Violation Forgiveness
Everyone Deserves Another Chance.
We know that if you’re a safe driver, you probably take every precaution possible when behind the wheel. But if you receive a citation without the right coverage, that one minor violation could affect your good driving record.
At Insurance Services Group, we can help you receive a proper coverage option, like Minor Violation Forgiveness, that allows you to avoid accidental points on your license.
With Minor Violation Forgiveness, if you receive a minor traffic citation, you’ll be prepared with the assurance that your rates won’t increase. Like Accident Forgiveness, this applies only once per policy, and the coverage renews after three years of the most recent minor violation.
To find out more about how you can protect your reputation as a safe driver, contact Insurance Services Group today.
Recreational Vehicles