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.
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.
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.
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.
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.
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 best car insurance company 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.