Auto Insurance

Auto Insurance Information

Auto Insurance in Clarence and Lowden, IA

Keeping Drivers in Lowden and Clarence, IA and Beyond Safe and Secure

Auto insurance is necessary to keep our finances safe and sound, but it doesn’t have to be complicated.  At Niermeyer-Maurer Insurance, we make the process of identifying the right coverages simple and easy. 


There is no ‘one-size-fits-all’ insurance package, nor is there a standard way to handle claims.  Coverage must be tailored to your unique needs, and any claim you file must be handled according to the demands of the individual claim.  We understand this and we abide by it. 


We’ll work with you to create an auto insurance policy that fits you best, both in terms of coverage and price.  We’ll also ensure that if the unexpected happens and you have to use your insurance, your claim is handled quickly and efficiently.  

Important for Iowa Drivers

There are a number of factors that go into putting together the right coverage for your vehicle and for your driving needs: legal requirements, vehicle usage, and cost included.  All states have minimum coverage limits and most, if not all, auto insurance plans meet these requirements.  In Iowa, minimum liability limits are $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $15,000 per accident for property damage.  Most insurance companies choose not to offer limits that low, however.   $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and upwards of $15,000 per accident for property damage is common.


If a vehicle is used as collateral for a loan, a lender usually requires that ‘full’ coverage is on the vehicle.  This means that the policy assigned to the vehicle contains comprehensive and collision coverages.   This coverage is important because if the vehicle is damaged in a covered event, an insurer will repair or replace the vehicle for up to the vehicle’s market value.  A newer vehicle can be covered for even more than its market value if the proceeds of the loss is used to pay off an auto loan.


Most insurers recommend that clients opt for higher liability limits so that the clients can obtain satisfactory protection for claims that affect the Uninsured and Underinsured motorists.  For motorcycles and motorcyclists in particular it is important to consider higher liability limits.  The risk that accompanies motorcycle operation in most cases is higher than it is for cars, trucks, and other four-wheeled vehicles.  


Regardless of the vehicle’s usage, the coverage that protects this vehicle should be determined by gauging risk tolerance.  The amount of loss one stands to face in the event of an accident or incident that results in damage must not outweigh the costs of coverage.  Coverage minimizes loss, so it is critical that premiums paid do not outweigh potential losses.  


At Niermeyer-Maurer Insurance, our coverages are designed to prepare you for the unexpected and to protect you and your vehicle under any foreseeable circumstances.  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
  •          Medical Payments Coverage

Custom Coverages and Continuous Services

If you’re involved in an accident you’ll need insurance that works.  It should cover you and leave you with no surprises.  The provider of this insurance should be proactive and should prepare you for an accident long before it happens.  At Niermeyer-Maurer, we’re forward-thinking and thorough so that our clients never face unexpected losses when the unforeseeable occurs. 


We process claims quickly and support you through the process so that you never wonder what’s next.  We provide you with the best value without sacrificing protection for price.  These are two of our priorities, and they make us a go-to resource for drivers in Iowa and Illinois. 


If you would like to find out more about our auto policy options, please contact us, call us, or request a quote today. 

At Niermeyer-Maurer we’re proud to provide auto insurance in Clarence, Lowden, Tipton, Bennett, Cedar Rapids, Mechanicsville and Stanwood, IA.  We serve other areas in the state and we serve Illinois as well.