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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: FatCamera/Getty Images August 11, 2021 Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Rebekah Personius is an insurance editor for Bankrate. She coordinates the creation of educational insurance content that helps people make informed insurance decisions. Rebekah has worked in the insurance space for over a year with homeowners dealing with claim resolution after large scale losses in widely affected areas. Although her expertise is primarily centered around Property & Casualty claims, she has worked with compliance and industry experts on auto, life, home and renters insurance content since January 2020. In her down time, Rebekah enjoys staying active, learning about investing, and studying everything related to psychology. She is also currently working to finish her bachelor’s degree in Business Management through Western Governors University. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. If you have basic questions about your car insurance policy, your first thought may be to contact an agent. But did you know that you likely have this information at your fingertips? Your car insurance declarations page contains most of the basic information about your policy. Knowing what this page is, what it includes and how to find it can make it easier to get your policy information when you need it. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
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Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More What is an auto insurance declarations page
An auto insurance declarations page is a document that contains important information that pertains to your car insurance policy. In essence, a car insurance declarations page is a summary of your policy. You can find details about your coverage and policy limits, discounts, what vehicles and drivers you have insured, as well as your insurance agent’s contact information on your declarations page. The declarations page, which is commonly abbreviated as the “dec page,” is typically found in the front of your car insurance policy documents. What does an auto declarations page contain
Your auto insurance dec page contains information about your policy. If you have questions about your insurance coverage, you likely will find the answer on the declarations page. Although each auto insurance company has its own format for declarations pages, some of the most common information found on this document includes: Your name and vehicle information
If you are the main policyholder, you will find your personal information and vehicle information listed on the dec page. This section will include your name, contact information and the address the car is registered to. You can also find your car’s vehicle identification number (VIN) and make/model/year. Company or agency contact information
If you purchased your policy from a local agency, or if there are local agents in your area, your car insurance declarations page should include the name, address and phone number of your agent’s office. If you purchased your policy online and there are no agencies near you, your auto insurance declarations page may list your company’s toll-free contact numbers. Lender information
If you have an auto loan or you drive a leased car, your lender or lessor will be listed on your declarations page. You should see the name of the financial institution, as well as an address. Your lender or lessor gets a copy of your policy mailed to the address on file each year, so that it can confirm you are still carrying the required coverages. After you pay off your loan, or if you make changes to your lease, notify your insurance company so it can update the dec page. Policy details
You should also find the details of your policy on your dec page. This section will include your policy number and the renewal date of the policy. Your coverages, limits, and endorsements will also likely be listed. Premium
The amount you pay for your insurance will also be listed on the declarations page. The format of this information will vary by company. You may see the total policy premium, or, if you insure more than one car, you might see your price broken out by vehicle, or both. Discounts
Any discounts that are applied to your policy will also likely be listed on your declaration page. Some companies also list available discounts that are not applied to your policy. By reviewing your declarations page, you might be able to identify additional ways to save. Who needs an auto declarations page
Every driver who has an auto insurance policy should have a copy of their declarations page in their records. If you get into an accident or need to file a claim, referring to your dec page can help you determine what will or will not be covered. It also shows you what your coverage limits are, including for add-on coverages. Most insurance professionals recommend that you review your car insurance policy at least once a year and make sure that everything is accurate. For example, if you pay off a car loan, you need to notify the insurance company so the lender can be removed from your policy. If you think you are paying too much for insurance, you can look at your dec page to see where you might be able to adjust your coverage to add discounts. You can also safely assume that the information listed on your car insurance declarations page is the same information that the insurance company has in its files. So if your name is misspelled, or your vehicle’s VIN is incorrect, you should let your car insurance company know. Your policy should be kept as accurate and up-to-date as possible to ensure you are properly covered. How do you get your insurance declarations page
When you purchase an auto insurance policy or make changes to an existing policy, you will receive a copy of your declarations page. Every driver should have a copy of their declaration page either in hard copy or electronic format. If you misplace your dec page, you may be able to download your policy documents from your insurance company’s online portal or mobile app. You could also contact your agent for a new copy. Having a copy of your dec page, whether physical or electronic, can help you when you need to attain basic information about your policy. Frequently asked questions
What is the best auto insurance company
The is going to be different for every driver. Each company has its pros and cons and will appeal to different drivers. When you are shopping for car insurance, comparing providers could help you find the one that meets your specific needs. What information is not included on the declarations page
Insurance declaration pages tend to be very comprehensive documents. However, there is some information that is not included. For instance, you will likely not find your Social Security number on the dec page. You might also not see certain coverages that come standard with your policy, like identity theft protection or rental car reimbursement. Any coverage that you are paying extra for should be listed. What if the information on my declarations page is wrong
If you review your dec page and find incorrect information, you should contact your insurance company immediately to have it updated. You should also notify an agent if you get a new car, change your last name or add a driver to your policy. After the information is processed, you will receive an updated copy of your declarations page with the changes reflected. SHARE: Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Rebekah Personius is an insurance editor for Bankrate. She coordinates the creation of educational insurance content that helps people make informed insurance decisions. Rebekah has worked in the insurance space for over a year with homeowners dealing with claim resolution after large scale losses in widely affected areas. Although her expertise is primarily centered around Property & Casualty claims, she has worked with compliance and industry experts on auto, life, home and renters insurance content since January 2020. In her down time, Rebekah enjoys staying active, learning about investing, and studying everything related to psychology. She is also currently working to finish her bachelor’s degree in Business Management through Western Governors University. Related Articles