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Windsor Heights, IA 50324

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Safe driving tips for new drivers

It’s no surprise that driving can be intimidating for new drivers. While it is often exciting to be able to drive for the first time in Des Moines, IA, it is important for new drivers to keep safety in mind and practice safe driving habits.

Here are some tips for new drivers from your friends at Max Insurance LLC to stay safe on the road.

Safe driving tips 

1. Make sure you know the rules of the road.

Before hitting the road, review local laws about speed limits and other traffic regulations, such as passing lanes and stop signs. Knowing the rules of the road will help keep you safe and prevent any potential legal issues. 

2. Keep your eyes on the road at all times.

Don’t let yourself get distracted by your phone or passengers while behind the wheel. Focusing solely on your driving will help avoid potential hazards on the road and help you remain alert while driving. 

3. Wear a seatbelt at all times.

Wearing a seatbelt helps reduce your chances of being injured during an accident or collision, so make sure you buckle up before leaving your driveway! 

4. Follow speed limits closely and adjust your speed according to weather conditions.

Speeding is one of the leading causes of accidents each year, so it’s important to be aware of speed limits and adjust accordingly in bad weather conditions such as rain or snow storms if necessary. 

Auto Insurance Is Mandatory – Make Sure Your Policy Is Updated!

Following these tips can help ensure that new drivers stay safe on the roads and make their experience much less stressful overall! For more safe driving tips, give us a call at Max Insurance LLC today. We proudly serve the Des Moines, IA area.

I’ve Been in a Car Accident—What Should I Do?

After a car accident, it’s common to feel disoriented and confused. It’s important to know what to do to ensure everyone is safe and that you’re taking the necessary steps to protect your rights.

Here’s a quick guide on what to do if you’re involved in a car accident:

Check for Injuries and Seek Medical Attention

The first thing you should do after a car accident is to check for injuries. Even if you don’t think you’re hurt, it’s essential to get checked out by a medical professional as soon as possible. Often, injuries from car accidents don’t present themselves immediately. If passengers are in your vehicle, check on them and render aid if necessary. Once you’ve made sure everyone is okay, call 911 and wait for help to arrive. 

Exchange Information With the Other Driver

Once the police have arrived, it’s time to exchange information with the other driver. You’ll need their name, contact information, insurance information, and license plate number. If there are any witnesses at the scene, get their contact information. It’s also a good idea to take pictures of the damage to both vehicles and any visible injuries. 

Call Your Insurance Company

Once you’ve exchanged information with the other driver and gathered any additional evidence, it’s time to call Max Insurance LLC. Our representative will ask you for the same information you gave the other driver, so it’s helpful to gather it all together. They may also request additional questions about the accident itself or your injuries. 

Get Auto Insurance Today

Car accidents are never fun, but knowing what to do is essential if you experience a collision in Des Moines, IA, no matter the severity. By following these steps, you can ensure that everyone is safe and your rights are protected. Not sure if you have the right coverage? Contact Max Insurance LLC. We’re here to serve Des Moines, IA residents with guidance and support every step of the way.

I Only Drive Occasionally. Do I Still Need Auto Insurance?

According to research, the average American will spend about 290 hours driving each year. That’s a little over an hour each day. But what if you don’t drive every day? Maybe you only use your car for weekends or occasional errands. Do you still need auto insurance? This article will explore whether you need auto insurance if you don’t drive often. Max Insurance LLC in Des Moines, IA can help you navigate this important insurance coverage.

Why Car Insurance Is a Must Have

If you own a car, most states require you to have some form of auto insurance. Even if you don’t use your vehicle every day, it’s still considered a liability. If you get into an accident, your insurance will help cover the damages—whether it’s to another person, property, or both.

What Type of Auto Insurance Do You Need?

The type of insurance you need will vary from state to state. But in general, you’ll need at least liability coverage, which pays for damages if you’re at fault for an accident. If you have a loan or lease on your car, your lender will also require you to have collision and comprehensive coverage, which pays for damages to your own vehicle.

How Much Auto Insurance Do You Need?

The amount of auto insurance you need will also depend on your state’s requirements. But even if your state doesn’t require a certain type or amount of coverage, it’s still a good idea to have it. Why? Because if you cause an accident and don’t have enough insurance to cover the damages, you could be held liable for the rest of the costs.

Give Us A Call

If you only use your car occasionally, you may be able to get by with a minimal amount of coverage. But keep in mind that even if you don’t drive often, you’re still at risk of being in an accident. If you are, you’ll want to make sure you have enough coverage to protect yourself financially.

If you’re in the greater Des Moines, IA community, get in touch with us at Max Insurance LLC. We can help you find the right auto insurance for your needs. We’ll work with you to customize a policy that fits both your budget and your coverage requirements. Contact us today to get started.

What Are The Consequences Of Driving Without Auto Insurance?

It is costly to drive without insurance. While insurance can cost you thousands of dollars annually you may consider shopping for affordable deals. Compare costs from several insurance companies. You might also look into public assistance programs like government-sponsored insurance programs. 

Fines can include jail time, canceled licenses, or being fined according to the circumstances. When you get yourself in an accident and you don’t have the cover, your may risk your savings and assets. Max Insurance LLC in Des Moines, IA can help with your auto insurance queries. 

Without Insurance Comes With Many Risks 

Your insurance might go high if you’re at fault. Without coverage, you cannot take advantage of savings offered by your insurance company, such as usage-based policies, multi-policy discounts, or policy upgrades. You might be responsible for prices associated with injuries and damages. 

Whenever there’s an incidence and you don’t have the cover, the other driver’s insurance will only cover their portion of the damages. You will also not have the protection of an insurer if you cause an accident and cause serious injuries to another driver or their passengers. It doesn’t matter if you’re injured and the other partner isn’t insured. 

In case of an accident, you can get your license suspended and pay a large fine. In the worst case, it might cause serious injuries or even death to another driver or pedestrian if you are involved in a car accident. Uninsured drivers are viewed as a serious public risk, and they can be convicted as per the law. You’re responsible for the damages if your car is confiscated. It’s risky to drive when not covered and the consequential risks are high. You don’t want to stay unprotected until the bad day comes.

For help, call Max Insurance LLC – we serve Des Moines, IA and surrounding areas.

Auto Insurance Myths Iowa Drivers Should Learn About

Max Insurance LLC serves the Des Moines, IA community and surrounding areas. We work closely with multiple carriers across central Iowa. We strive to help our clients find coverage that aligns with their needs. We offer flexible policies that adjust as our clients navigate life’s challenges.  We look forward to helping you find the coverage you need to protect what matters most.

Auto Insurance Myths Iowa Drivers Should Learn About

While traveling around Des Moines, IA in your vehicle may not seem like a big deal, remember that operating a vehicle can be dangerous at times. You have to navigate constantly evolving road conditions and adapt to the behavior of other drivers. That’s why auto insurance is so important. Auto insurance covers you while you’re on the road. You are covered if your vehicle suffers damage. Liability coverage protects you if your vehicle accidentally causes property damage or injuries to someone, including your passengers. Comprehensive coverage protects you if your vehicle is stolen or vandalized. While you assess your policy options, learn about these common auto insurance myths.

The Color Of Your Vehicle Matters

The color of your vehicle is irrelevant to the terms of your insurance policy. Regardless of whether your vehicle is red, blue, black, or white, it’s important to practice safe driving habits.

Minimum Coverage Is Ideal

While minimum liability coverage is an asset if you accidentally cause damage, you are leaving yourself unprotected against possible risks. For example, minimum liability coverage won’t protect you if your mirror or windshield gets cracked. Adding comprehensive coverage may be more beneficial in the long run.

My Personal Items In The Vehicle Are Covered

This is incorrect. Your home or renters policy may cover any personal items in your vehicle if they are damaged.

Max Insurance LLC Will Help You Cover Your Assets

Visit our website to learn more information about auto insurance.

Why should you get auto insurance in Iowa?

When you are in the Des Moines, IA area, having a vehicle accessible to you is very important. If you are a vehicle owner, you are going to have a much easier time getting around the local area. When you do buy a car, you need to carefully assess your insurance options. There are various reasons why you should get an auto insurance plan here. 

Coverage is a State Requirement

An important reason to have auto insurance when you are in Iowa is that it will be a state requirement. Similar to other states, Iowa requires drivers to carry liability insurance. This coverage ensures you can cover damages that may be caused by an accident. If you do not have this basic coverage, you could be penalized and will also need to cover any damages out of your own pocket. 

Coverage Protects Vehicle

You also should get an auto insurance policy as it can help to protect your vehicle. If you choose to purchase a car, you will be making a significant investment that you will want to be able to enjoy. With proper coverage, you can receive the support needed to replace or repair your vehicle if you incur various losses along the way. 

Those that are looking for an auto insurance plan in the Des Moines, IA area will need to speak with someone that is experienced and that they can trust. As you are looking for support when picking an insurance plan, calling Max Insurance LLC is a good option. The professionals with Max Insurance LLC understand the value of this coverage and can help you build an ideal plan. They are able to do this by helping you assess all options and build a plan with personalized coverage.