A car insurance declaration page summarizes your auto insurance policy, helping you understand who and what is covered. Enter your zip code below for a free quote and see how much you can save with A-MAX!
What's on your Declarations Page?
What is on the Car Insurance Declarations Page?
A car insurance declarations page summarizes your auto insurance policy in one or two pages. It provides important information about your policy, such as the policy number, coverage starts and ends, and who is covered. The declaration page may include information on the types of coverage you’re paying for and their limits and deductibles. It also includes a breakdown of how much you pay for coverage and any discounts you qualify for.
Policy Period and Vehicles
The policy period is the length and effective date of your policy. Your declarations page will specify the effective date (when your policy begins) and expiration date (when your policy ends). Policy terms are usually 6 or 12 months, with six being the most common. The policy period or term refers to how long your policy is in effect before renewal. Your declarations page will list each vehicle's year, make, model, and vehicle identification number (VIN).
Drivers and Coverage
Anyone who drives your vehicle, even occasionally, should be included in your policy. Check your declarations page to see who is listed as a driver. If you’re unsure, you can always review your policy documents. Your declarations page will summarize your coverage and include details on your policy.
Coverage Limits and Deductibles
Your declarations page includes limits for each coverage. Limits may be expressed as a “per use” or daily limit. Liability coverage for bodily injury and property damage to others is typically expressed in a 3-tier system. Deductibles are the amounts you agree to pay when filing an insurance claim. Deductibles are common for comprehensive and collision coverage, ranging from $100 to $1,000.
Premium and Payment Details
Your car insurance premium is the amount you pay for coverage. If you have multiple vehicles, your declarations page will break down the premium for each vehicle. The total premium is also listed on the page. Review your declarations page to see the applicable deductibles for your policy.
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Loss Payees and Discounts
A loss payee is an individual or institution with an insurable interest in your property. You’ll find any loss payees' names, addresses, and contact information on your declarations page. Examples of loss payees include lenders or lessors for financed or leased vehicles. Your declarations page lists all discounts applied to your premium for the current policy term. Review the discounts to ensure you get the best rate from your insurance company.
How to Get Your Auto Insurance Declarations Page
You will receive a copy of your declarations page when you purchase an auto insurance policy or change an existing policy. You can also download your policy documents from your insurance company’s online portal or mobile app. You can contact your agent for a new copy if you misplace your declarations page. A copy of your declaration page can help you quickly attain basic information about your policy.
Why Review Your Auto Insurance Declarations Page
You may need your car insurance declaration page if you’re buying a car and must provide proof of insurance. You can also use your declaration page to help you compare car insurance quotes if you’re looking for a new insurer. The declaration page is a key document that provides proof of insurance.
Car Declaration FAQ
What does an insurance declaration page show?
An insurance declaration page shows the key details of your auto insurance policy, including policy numbers, coverage types, coverage limits, deductibles, insured vehicles, drivers, and the premium amount.
What’s the difference between a policy and a declarations page?
A policy is a comprehensive document detailing all the terms, conditions, and coverages of your insurance, while a declarations page is a summary that highlights the most important information from your policy in a concise format.
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