How do I check my car insurance?
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UPDATED: Mar 19, 2020
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- If you have any questions about your current auto insurance policy or status, the first place to check is with your insurance agent
- You can find all the information about your insurance company that you will need from the back of your insurance card or certificate
- If you are unable to locate the name of your auto insurance company, make a phone call to your state department of auto insurance or the department of motor vehicles for your state
- Most states require drivers to maintain auto insurance in order to drive, so it is important to nail down information on your current coverage as quickly as possible
- If you find that you do not have coverage right now, you should act quickly to secure an auto insurance policy before you continue to drive
If you are searching for information on your current auto insurance, you should call your auto insurance agent to ask questions about your policy.
If you are unsure whether you have auto insurance or do not know the name of your auto insurance company, then your next best bet is to call the auto insurance department of your state or your state department of motor vehicles.
You should be carrying proof of auto insurance whenever you drive.
Your Auto Insurance Policy Information
Whenever you sign up for auto insurance, you should always keep a copy of your auto insurance policy.
In addition, you should make sure that a copy of your auto insurance certificate or proof of auto insurance is with you whenever you are driving. In some states, it is even illegal to drive without proof of auto insurance.
Using the information in either your auto insurance policy or proof of auto insurance, you can call your auto insurance company to ask any details about your auto insurance policy that you need to know.
If you do not have either of those documents, then you should act quickly to obtain an additional copy for your records.
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The State Department of Insurance or Department of Motor Vehicles
If all else fails, you can contact the department of auto insurance or the department of motor vehicles for your state. They maintain records on the auto insurance information for each driver registered in that particular state.
In fact, in recent years, many states have required that auto insurers submit updates on any changes to auto insurance policy information for drivers in that state.
This puts the burden on the auto insurance companies to make sure that the state records are up to date and accurate.
Another reason you may want to call your state department of insurance is when you are in the middle of shopping around for auto insurance quotes.
This is because the state department of insurance will have a list of auto insurance companies that are registered to do business in that state and are authorized and licensed providers of auto insurance.
Before you accept an auto insurance policy, you will want to make sure the auto insurance company you choose is on the approved list.
Maintaining Records of Your Auto Insurance Policy
The main reason that you should hang onto a copy of your auto insurance policy is that it will clearly spell out the type of auto insurance coverages that you have.
This is important information to know in case you ever have to file a claim through your auto insurance policy.
Some other important information in your auto insurance policy agreement includes:
- your deductible
- the price of your premium
- other covered drivers under your policy
- the vehicles registered under your policy and your policy term
Knowing your policy term is important because you will want to make sure that you still have coverage or renew your policy once that term expires.
If your auto insurance company should choose to cancel or to not renew your auto insurance policy, you would need to act right away to nail down another auto insurance company for coverage.
You may need to show proof of your current auto insurance coverage if you do any of the following:
- purchase a new car
- lease a car
- rent a car
- drive a vehicle for work or apply for a job that requires you to drive
If any of these scenarios apply to you, it is best to act quickly because if you find out that your coverage is not up to date or you have not paid your required premiums, then you will need to seek out other coverage as soon as possible.
If you are involved in a car accident, you will need to be able to notify your auto insurance company right away of the damage.
This is why it is vital that you keep your payments up to date so that your auto insurance company does not have a reason to deny your claim or any future coverage.
In sum, finding out information on your auto insurance policy is fairly easy if you already know the name of your auto insurance company.
If you do not know this information, you should check right away with your state department of insurance to find out the most updated information on you. If you have a lapse in coverage, you need to fix it immediately.
Make sure you have the coverage you need for the best price. Start comparing insurance today by entering your zip code below.