A Car Insurance Declarations Page: How To Read

The car insurance declarations page is your policy’s first page, summarizing your coverage and costs. It’s like a quick overview of your insurance.

Key takeaways

  • The car insurance declarations page, typically found at the front of your policy, summarizes your auto insurance details.
  • It lists the policy number, term period, purchased coverage, its limits, and details on premiums, deductibles, and car specifics (make and model).

What is a car insurance declaration page?

A car insurance declaration page is a short summary of your insurance details. It might be a separate paper or the start of your full insurance document. This page shows:

  • Your policy number.
  • Coverage start and end dates.
  • Covered individuals.
  • Insured cars.
  • Your purchased coverage types, their limits, and any deductibles.
  • Your payment details and any discounts you have.

How To Get an Insurance Declarations Page

Once you get a car insurance policy, the insurer usually mails you a declarations page. If you purchase insurance online, many companies let you print this page from their site. If you misplace it or need another copy, just call your insurance company.

Basic information on the car insurance declarations page

A dec page summarizes your car insurance details. At the top, you’ll see the policy number, essential for filing claims. Some pages might show your old policy number too, as this can change yearly. Here’s what else you’ll typically find on a car insurance declarations page:

Basic information on the car insurance declarations page

Policy term information

A declaration page shows details of your policy, including the start and end dates. It specifies the exact day, month, and year of coverage. Some policies also mention a start time, typically just past midnight on the policy’s beginning date.

The names of relevant parties 

The car insurance declaration page lists everyone connected to the policy:

  • Named Insured: This is typically you, the policy buyer. It can also include other drivers in your household, like family members. Their names, ages, and addresses will be shown. Some pages also indicate which drivers can’t use the car.
  • Excluded Drivers: This section names household drivers not covered by the policy.
  • Agent: If you have one, the agent’s contact information will be given.
  • Insurance Company: This will show the company’s contact address and phone number.
  • Lienholder: If you’ve leased or financed your car, the bank or credit company details will be included.

Details about the vehicle

The declaration page will list details for each insured vehicle, such as:

  • Year of Manufacture: The year the car was made.
  • Make and Model: Specifics like Dodge Avenger, Kia Soul, or Tesla Model 3.
  • VIN: A unique 17-digit identifier for each car.

When to use it

An insurance declaration page gives you a quick overview of your policy. But for detailed information, it’s best to contact your insurer or agent. You might refer to this page when:

  • You first get your policy to check the details.
  • You want a quick recap of your coverages.
  • You’re comparing other insurance offers.
  • You’re about to make a claim.

Remember: This declaration page isn’t your proof of insurance for the police or DMV. Always have an insurance ID card in your car or phone for that.

Premiums and deductibles

Your declaration page shows your premium and payment schedule (like monthly or yearly). Premiums depend on factors like age, location, driving history, and your car type and usage. Coverage amount is a key factor in setting your premium.

The deductible, also shown on the page, is what you pay when you claim before the insurer covers the rest. Not all coverages have deductibles. Common deductible amounts are $100, $500, or $1,000.

Car insurance coverages

Your declaration page outlines the coverages you’ve bought with your car insurance. It shows the maximum amount the insurer will pay, called the ‘limits of liability’. For some coverages, it’ll show limits per person and per accident (like $100,000 per person, $300,000 per accident). If the insurer pays up to its limit, any extra costs are on you.

Car insurance coverages

If you insure multiple cars, each car’s coverage will be detailed separately. You can choose different coverages for different cars. For instance, an older car might have less coverage since it’s cheaper to replace.

Here’s a breakdown of common coverages:

  • Liability insurance: Covers damage you cause to others while driving.
  • Personal injury protection (PIP): Covers your and your passengers’ medical bills from a car accident.
  • Collision coverage: Pays for your car’s repairs after a crash.
  • Comprehensive coverage: Pays for non-crash related damage like theft or weather damage.
  • Underinsured/uninsured motorist coverage: Helps when the other driver can’t cover your bills.
  • Gap insurance: Covers the amount you owe on a car loan or lease if the car is totaled or stolen.

Everyone’s insurance needs are different. Policy genius helps you find the right, affordable coverage for your situation.

Optional coverages

You can choose extra car insurance coverages that might raise your premium a bit. While some are considered optional by insurance companies, if you’re leasing, you might need to get collision and comprehensive insurance.

Here are some additional coverages you can consider:

  • Roadside assistance: Helps if your car breaks down.
  • Towing and labor: Covers the cost of towing and repair labor.
  • Rental car reimbursement: Pays for a rental while your car is being repaired.
  • Extra equipment coverage: Protects add-ons not covered in your main policy.

Endorsements and riders 

Endorsements, also known as riders, are extra coverage options you can add to your basic car insurance. They might appear on your declaration page with a special code and title. If they’re not on the declaration page, you can find their details within your policy, either at the end or spread throughout. To understand the cost and benefits of each endorsement, check your policy or ask your insurance company.

Car insurance discounts

Car insurance companies often give discounts, which you can find on your declaration page. Here are some common discounts:

Car insurance discounts
  • Bundling Discount: Save when you get both car and home or renters insurance from the same company.
  • Multiple Cars Discount: Get a break on price when insuring several vehicles.
  • Safe Driving Discount: Earn discounts for safe driving over years without accidents or major violations. Taking a driving course might also help.
  • Full Payment Discount: Save more if you pay your premium upfront instead of monthly.
  • Security Features Discount: Get discounts for having security items like car alarms or anti-lock brakes.
  • Loyalty Discount: Stay with the same insurer for years and they might reward you with a discount.
  • Membership Discounts: Being part of certain groups, like university alumni or some employers, can earn you savings.

Renewing your car insurance policy

When you renew your car insurance, you’ll get a new declarations sheet with updated information. This can show changes like a new premium, updated discounts, added coverage, or new drivers and cars. If your premium changes, the sheet might show the percentage or dollar difference. Insurance policies usually last six months or a year. 

To find a better rate, use Policygenius to compare quotes online. Keep your declarations sheet close to easily compare your coverage.

Declarations Page Insurance: The Bottom Line

The car insurance declarations page is helpful for drivers as it offers a clear summary of their policy. It shows the coverage details, deductible amount, and lists everyone insured under the policy.

Car Insurance Declarations Page: Frequently asked questions

Where do I find my auto insurance declaration page?

When you sign up for or renew a policy, most insurance companies will send you a declaration page by mail or email. You can also find it on their website or app under the documents section. If you need help, just contact your insurer or agent directly.

What if I want more detailed information about my auto policy?

A car insurance declaration page gives a brief overview of your policy. If you need more in-depth details, check your full policy or directly reach out to your insurer or agent.

Can I use my declaration page as proof of coverage?

You can’t use the declaration page as proof of insurance. Instead, use your auto insurance ID card, which you can often find on the insurer’s website or app.

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