Auto Insurance

Looking for Auto Insurance in Iowa & Nebraska?

First Express Insurance has you covered. We can help you with standard auto insurance, as well as car insurance for collector cars.

You’re at risk every single time you get into your car.

It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.

Having adequate Car Insurance limits is serious business

If you were ever involved in an accident, and found to be at-fault for someone else’s injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.  Because First Express Insurance is 100% independent, we can compare your current coverage with a wide range of insurance providers.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover can vary drastically from company to company.

Important Auto Insurance Coverages

When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.

Let us clarify a few of the more important ones for you:

Collision Coverage

This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

Comprehensive Coverage

This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.

Property Damage

Suppose you damage someone’s car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage.

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you understand.

Un-insured & Under-insured Liability

This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

Common Auto Insurance Rating Variables

Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident

Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.

Car — the type of car, engine size, safety features, etc.. are all part of determining the rate

Driving History — your driving record and loss history plays a substantial role in the price. If you have a questionable driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old

Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household

How to get started with your car insurance quotes

If you live in Iowa & Nebraska and are looking for a car insurance comparison, First Express Insurance makes the process of finding the best company easy.

We do all the heavy lifting for you!

To get started, call our office directly, or complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!

Call Email Claims Payments