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113 N 15th St
PO Box 199
Clarinda, IA 51632

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Three reasons why you must have auto insurance

When you purchase a vehicle, one of the most important things you need to do is make sure to purchase an auto insurance policy. At Sump Insurance, we sell auto insurance policies to motorists in Clarinda, IA. 

The following are three important reasons why you must have auto insurance if you own a vehicle:

Auto insurance is required by law

Auto insurance is basically required by law in every state. If you are pulled over and aren’t insured, you can be cited for driving without insurance. Penalties for driving without insurance coverage are very harsh in many states, so you need to make sure that you’re covered. 

Auto insurance protects you financially

It’s important to carry auto insurance to protect your finances. Auto insurance can protect not only your investment in your vehicle but also your savings. If you are responsible for a costly auto accident, you will have to pay out of pocket. This could lead to a significant or even complete loss of your assets. 

Auto insurance is required by auto loan lenders

Many motorists took out a car loan to purchase their vehicle. If you borrowed money to buy your vehicle, it’s important to know that your auto lender will require you to carry auto insurance.

If you are carrying auto insurance to meet your auto loan lender’s requirements, you’ll need to have both liability and collision coverage. Collision coverage protects the value of your vehicle while you’re paying back your loan. 

We Are Here To Help

Are you interested in exploring your auto insurance options in Clarinda, IA? We can answer your questions about auto insurance and provide you with a quote on a policy at Sump Insurance. Get in touch with us today!

Does Your Auto Insurance Cover Multi-Vehicle Collision Costs?

Auto liability insurance policies are legally required in most states, including Iowa. However, collision insurance covers an entirely different aspect of auto insurance that you may never have considered. While it is safe to assume that most people do not want to experience a collision in their lives, imminent danger on the road is always an unfortunate possibility. Particularly when the weather is rainy or snowy, the chances of being involved in a car crash go up exponentially.

Not all auto insurance policies cover multi-vehicle collisions, but there are insurance agents who can help protect you in the event of a life-altering crash.  Sump Insurance in Clarinda, IA is here to assist.

Auto Insurance & Multi-Vehicle Collision

Let’s say that you are driving on icy roads and fail to notice that the cars in front of you are coming to a stop, or perhaps you cannot see through the thick sheets of snow. If you rear-end the vehicle in front of you and it continues on like a domino effect, your liability insurance will cover the damage done to the other vehicles.

Alternatively, if you are in one of the vehicles that get hit (or in other words, if you are one of the drivers who is not at fault and got caught in the crossfire), the driver at fault will need their liability insurance to cover your vehicle’s damage. There is also the option of obtaining collision insurance, which may especially be recommended in states with drastically inclement weather. 

Give Us A Call

If you are in the Clarinda, IA area, stop by Sump Insurance to discuss your auto policy with a qualified professional.  Call Sump Insurance today or stop by the office if you are in the area. Allow the experts to give you the information you need to protect yourself and others.

Driving safety stats Iowa drivers need to know

Driving risks vary by location and vehicle use, and Iowa is no different. Understanding the behaviors that put you at risk makes it easier to understand how to keep yourself and your family safe against risks. In addition, this knowledge can also help you plan the best insurance coverage, for which you can contact us at Sump Insurance in Clarinda, IA.

Driving Safety Stats Iowa Drivers Need To Know

Iowa Commute Times

Studies followed Iowa workers aged 16 and over for a four-year period. The average commute time to work during this time was listed at just over 19 minutes one-way. For a five-day work week, that means work alone accounts for over 3 hours of weekly drive time. This time in the car obviously increases when you consider driving home as well and increases when adding school pickups and errands like groceries.

Time Spent in Cars

Statistics shared by the US Department of Transportation, 2020, at Driving Statistics show that work commutes account for about 28% of our national driving times. Beyond work, auto travel times include 25% of the time in the car spent on social travel, 17% of time driving for family errands, 15% of the auto time for shopping, and another 15% of time spent in cars for school and church. That easily adds up to 10 hours per week or more simply behind the wheel — and many who live in rural areas drive far, far more. 

Get Auto Insurance Today

More time behind the wheel means more time at risk of an auto accident. Whether a fender bender or an impact from an intoxicated driver, more car time equals more risk. Plan the insurance protection you need to manage this risk. For more information on auto insurance and accident protection, contact Sump Insurance in Clarinda, IA today.

How To Insure A New Car

Purchasing a new car near Clarinda, IA is an exciting experience! At Sump Insurance, we want to make sure you’re on the road and fully insured as soon as possible so you can begin enjoying your new ride. 

How To Insure A New Car

The state of Iowa has minimum insurance requirements, including:

  • $20,000 of bodily injury to or death of one person in any one accident
  • $40,000 because of bodily injury to or death of two or more persons in any one accident
  • $15,000 because of injury to or destruction of property of others in any one accident

Your coverage doesn’t need to stop there, however. You will likely want to add additional coverage to your new vehicle. 

When you buy a new car, your previous coverage will immediately take effect. However, you’ll need to contact your agent at Sump Insurance to notify them of your new car. We can work with you to determine what type of coverage is best for your new vehicle. We can walk you through different coverage options and what will work best based on your personal situation and the age of your car. 

How to get car insurance 

If you’re buying your first car and don’t already have insurance, contact us prior to purchasing your vehicle so we can get you set up with a policy. Most car dealers near Clarinda, IA will require you to show proof of insurance before they let you drive off the lot. 

When you’re considering purchasing a car, it’s important to take the cost of insurance into account. By calling us before going through with your purchase, you can get an idea of how much the policy might cost. 

If you just bought a car, congratulations! We’re excited to help you along your journey. 

Auto Insurance Add-ons

When you purchase auto insurance from Sump Insurance serving Clarinda, IA, you might be tempted to only buy the state insurance minimums. Although we want you to obtain the exact insurance you want, let us explain why buying the minimum required insurance probably won’t work out well in the end. By shopping with us, you can create a custom policy that covers exactly what you need.

Auto Insurance Add-ons

The state minimum required coverage only protects the other drivers and pedestrians on the road. That leaves you to pay for any damage your vehicle incurs on your own. Yikes. That can cost a lot of money. If you don’t have a standout medical insurance policy and you cause the accident in which you’re harmed, you’ll also need to pay for the medical costs of your treatment out of pocket.

The solution to out-of-pocket expenses for your own costs is a custom insurance policy. By adding comprehensive, collision, and medical coverage to your policy, anything that happens to your vehicle or you, your insurance covers. Collision covers when your vehicle collides with a fence, tree, mailbox, etc. Comprehensive covers named perils, hazards that you could not prevent, such as damage from hurricanes, tornados, fire, hail, etc. If you get injured in an accident you caused, whether it only involves your vehicle or multiple vehicles, adding medical coverage ensures that you can pay for your hospitalization, physical therapy, and other types of medical recovery treatments.

Don’t get caught without proper auto insurance coverage. Let Sump Insurance serving Clarinda, IA help you obtain the policy you need to cover every likely event. Many individuals think, “It can’t happen to me.” When they have an accident but have full coverage auto, they don’t have to worry that it did happen to them. Call us today, so you remain prepared for every eventuality.

Most-forgotten Basics About Auto Insurance

Whether buying auto insurance online or through an agent in Clarinda, IA, it’s never easy. With many coverages, insurance jargon, and myths surrounding car insurance, it’s always never straightforward with auto insurance. 

The good thing is that you don’t need to be an insurance expert to understand auto insurance. Being in the know of the following basics of car insurance, as highlighted by Sump Insurance, will help you make an informed decision when shopping for car insurance. 

Reading your policy document

Most people are quick to sign off their auto insurance plan without understanding their policy document in detail. Understanding your policy document in and out is the first place to start if you are to get the most out of your auto insurance policy. 

Your policy document contains what’s covered and what’s not covered by your insurer. This way, you will not encounter surprises when filing a claim.

How insurance rates are determined

Ever heard someone say that red cars attract higher premiums? This is a blatant lie. Your car insurance rate is determined by factors like number of coverages, driving record, claim history, model of your car, your location, and personal details. 

While each insurance company has its way of determining insurance rates, it’s pivotal to have a rough idea of what goes into your insurance premiums. This way, you can deter your rates from increasing for factors within your control.

State-required minimums aren’t enough

Each state has mandatory requirements for auto insurance. In Iowa, for example, drivers are required to purchase bodily liability insurance. Besides, underinsured/uninsured motorist coverage is compulsory but can be rejected through writing.

While observing the state’s requirement is superb, these coverages are never adequate. The limits are inadequate, and the coverages cover other people, but not you and your vehicle. As such, we recommend motorists to consider optional coverages, including:

  • Comprehensive coverage
  • Collision coverage
  • Personal Injury Protection (PIP)
  • Roadside assistance

Would you like to learn more about auto insurance? Don’t hesitate to contact Sump Insurance of Clarinda, IA.

What Clarinda, IA Drivers Need to Know About Auto Insurance

What are your minimum auto insurance requirements in your state? In Iowa, there is a minimum liability coverage including: 

  • $20,000 of bodily injury or accidental death of one person in any accident
  • $40,000 due to bodily injury or death of 2 or more persons in any one accident
  • $15,000 due to injury or destruction of property in any one accident

Why Do States Put These Mandates in Place?

States put insurance minimums in place because those are the lowest numbers of injury, accidental death, or loss of property that the legislature believes should be covered in the event of an accident.

Remember, insurance was created to pay any liabilities you may incur due an accident that was due to your own negligence or some mishap due to your fault or misjudgment.

Iowa is a "fault" state, meaning the state does hold you responsible for your poor driving, but not the other driver. So you only pay if it is your fault. But unless you are a perfect driver, there is still a risk involved that threatens your financial situation.

Sump Insurance strives to help you cover not only the minimum state-mandated insurance requirements but also any other insurance coverage that you feel you need to protect your financial situation.

A good question to ask is: "Could I afford to lose the amount of money I might lose if I had a car accident taking this person with me to work or if I wrecked someone else’s car on the way home from ball practice, for example. Thinking of insurance as more than the paperwork you sign to get a policy is the first step. It’s important to think about the practical day-to-day applications of insurance that you might encounter, given the types of risks you have on a regular basis, to see how much insurance you might actually need.

Who is Sump Insurance?

Sump Insurance in Clarinda, IA services the Clarinda area and surrounding regions. We are experienced and friendly and we have the knowledge and expertise to get you covered for the most important risk areas you have and make sure you are meeting the minimums.

Contact Sump Insurance today and let us advise you on how to make sure you have the insurance you need to get you going down the road again with confidence!

Iowa Drivers, This is What You Need To Know About Auto Insurance

When you think of it, there are many ways auto accidents can occur. A blown tire, reversing into a wall, falling objects, crashing into another vehicle, and so forth. And even when you are careful, accidents can still happen. A distracted or careless driver can crash into you. Given that we can’t prevent vehicular accidents entirely, drivers need auto insurance for optimal coverage.

Not sure where to start? Here at Sump Insurance, located in Clarinda, IA, we will help you navigate Iowa’s auto insurance landscape. Here are things you should know about Iowa auto insurance.

Auto insurance is mandatory in Iowa State.

You know this, but we will say it nevertheless: auto insurance is mandatory in Iowa, and the state requires you to carry the below minimum coverages:

  • Bodily injury liability: Pays for medical expenses for injuries caused to third parties in a vehicular accident when you were at fault. The state requires you to carry a minimum of $20,000 for an accident involving one person and $40,000 for an accident involving more than one person.
  • Property damage liability: This covers property damage to other persons, but not you — for instance, you crashing into their car or reversing into their house. The minimum coverage required is $15,000 per accident.

There are other auto insurance coverage options.

While the state requires mandatory liability coverage, other car insurance policies exist to cover your vehicle against theft, vandalism, falling objects, hail, and other perils specified in your policy. Some of these coverages include:

  • Collision coverage to pay for damages to your car
  • Comprehensive coverage to cover your vehicle against theft, fire, and other risks
  • Medical payments to cover for medical costs arising from a vehicular accident
  • Road assistance to bail you when stranded on the highway

Auto insurance premium varies

Yes, your car insurance premium won’t be exactly like your friend’s, even though you have the same car model. Car insurance companies in Iowa use the below factors to compute your premium:

  • Your age 
  • Credit scoring
  • Your occupation and education level
  • Marital status
  • Gender
  • Zipcode
  • Claim history

Having the right auto insurance coverage can save you huge bills later on. Thankfully, for Clarinda, IA residents, you can get optimal auto coverage from Sump Insurance. Contact us today, and we shall take care of your car insurance needs.

Servicing States

  • Iowa
  • Nebraska
  • Missouri
  • Kansas
  • Arizona

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Have access to your auto ID cards from your phone

Partner Carriers

  • Auto-Owners Insurance
  • Cameron Mutual Insurance
  • Farmers Mutual Hail
  • Great American Insurance Group
  • Hagerty Classic Car Company
  • IMT Insurance
  • Nationwide
  • NAU
  • North Star Mutual
  • Pekin Insurance
  • ProAg
  • Progressive
  • Travelers
  • West Bend Mutual Insurance