You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout biography ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make bright personal finance decisions. We follow stern guidelines to ensure that our editorial contented is not influenced by advertisers. Our column team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We measure your believe. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in set to ensure that happens. Our editors and reporters thoroughly fact-check editorial capacity to ensure the information you ’ re read is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive mastermind recompense from our advertisers. Bankrate follows a hard-and-fast editorial policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate subject to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first gear. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — indeed you can feel confident about which provider is right for you. Bankrate follows a rigorous column policy, so you can trust that we ’ re putting your interests beginning. All of our message is authored by highly modify professionals and reviewed by discipline matter experts, who ensure everything we publish is objective, accurate and desirable of your trust. Founded in 1976, Bankrate has a long track record of helping people make ache fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making work and giving people confidence in which actions to take adjacent. While we adhere to strict editorial integrity, this military post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. If you have basic questions about your car policy policy, your first think 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 car insurance declarations page is a document that contains significant data that pertains to your car indemnity policy. In perfume, a car policy declarations page is a compendious of your policy.
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You can find details about your coverage and policy limits, discounts, what vehicles and drivers you have insured, american samoa well as your insurance agent ’ s contact information on your declarations page. The declarations page, which is normally abbreviated as the “ december foliate, ” is typically found in the front of your car insurance policy documents .
What does an auto declarations page contain?
Your car insurance declination page contains data about your policy. If you have questions about your insurance coverage, you likely will find the answer on the declarations page. Although each car insurance party has its own format for declarations pages, some of the most common information found on this text file includes :
Your name and vehicle information
If you are the chief policyholder, you will find your personal information and vehicle information listed on the december page. This section will include your name, contact data and the address the car is registered to. You can besides find your car ’ south 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 anesthetic agents in your area, your cable car policy declarations page should include the identify, address and call number of your agent ’ randomness position. If you purchased your policy on-line and there are no agencies near you, your car insurance declarations page may list your caller ’ second toll-free reach numbers .
Lender information
If you have an car lend or you drive a rent cable car, your lender or lessor will be listed on your declarations page. You should see the name of the fiscal institution, a well as an address. Your lender or lessor gets a imitate of your policy mailed to the address on file each class, so that it can confirm you are placid carrying the want coverages. After you pay off your lend, or if you make changes to your lease, notify your insurance caller so it can update the declination page .
Policy details
You should besides find the details of your policy on your december page. This section will include your policy phone number and the reclamation date of the policy. Your coverages, limits, and endorsements will besides probably be listed .
Premium
The amount you pay for your indemnity will besides be listed on the declarations foliate. The format of this information will vary by company. You may see the entire 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 besides likely be listed on your declaration page. Some companies besides list available discounts that are not applied to your policy. By reviewing your declarations page, you might be able to identify extra ways to save .
Who needs an auto declarations page?
Every driver who has an car 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 declination foliate can help you determine what will or will not be covered. It besides shows you what your coverage limits are, including for accessory coverages. Most policy professionals recommend that you review your cable car policy policy at least once a year and make certain 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 excessively much for insurance, you can look at your declination page to see where you might be able to adjust your coverage to add discounts. You can besides safely assume that the information listed on your car indemnity declarations page is the like information that the policy company has in its files. so if your name is misspelled, or your vehicle ’ randomness VIN is faulty, 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 car policy policy or make changes to an existing policy, you will receive a transcript of your declarations foliate. Every driver should have a imitate of their contract page either in hard copy or electronic format. If you misplace your declination page, you may be able to download your policy documents from your insurance company ’ mho on-line portal or mobile app. You could besides contact your agent for a new copy. Having a replicate of your declination 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 unlike for every driver. Each company has its pros and cons and will appeal to unlike drivers. When you are shopping for car indemnity, comparing providers could help you find the one that meets your specific needs .
What information is not included on the declarations page?
policy announcement pages tend to be very comprehensive examination documents. however, there is some information that is not included. For exemplify, you will likely not find your Social Security act on the december page. You might besides not see certain coverages that come standard with your policy, like identity larceny security or lease car reimbursement. Any coverage that you are paying excess for should be listed .
What if the information on my declarations page is wrong?
If you review your december page and find incorrect information, you should contact your indemnity company immediately to have it updated. You should besides notify an agent if you get a new car, change your last appoint or add a driver to your policy. After the data is processed, you will receive an update replicate of your declarations page with the changes reflected .