It’s estimated that there are over 225 million licensed drivers in the United States. And since it’s illegal to operate a vehicle without adequate coverage, you can assume that plenty of car insurance policies have been issued to these individuals. Like any other type of coverage, your insurance policy uses a specific number to keep track of your individual plan.
But how exactly does your car insurance policy number differ from other important numbers? First, most insurance companies issue a unique number that’s between nine and 13 digits long, and as long as you keep your coverage in effect with the same company, it will be the only auto policy number you ever have. In some states, it may begin with a letter prefix as well.
Additionally, your insurance coverage is likely complex in nature, featuring a variety of deductibles, policy limits, and more. Rather than using your health insurance number or Social Security Number, it’s easiest for your insurance provider to issue its own number to keep track of the drivers who are covered, the vehicles on the policy, and the specific types of coverage that you’ve enrolled in.
Whether you’re looking to secure auto insurance for the first time or you’re thinking about changing the insurance carrier you work with, it’s best to do some research first. Head over to Insurify to learn more about your coverage options and obtain real-time car insurance quotes from over 10 different companies in a matter of minutes.
Where to Find Your Car Insurance Policy Number
Between our Social Security Number, health insurance information, or identification numbers for Medicare, Medicaid, and more, there’s no way the average person can memorize the immense quantity of data that helps identify who we are. Thankfully, most insurance providers make it simple to locate your car insurance policy number:
- When you enrolled in your policy for the first time, as well as each time your policy renews, you are issued an updated insurance ID card. Most companies will include your policy number directly on the card for easy access.
- If you receive paper billing statements from your insurance agency, you’ll also see your policy number listed, usually toward the top of the document.
- Insurance companies offering customer access to policy information typically display your policy number clearly after you’ve logged into your online account.
- Policyholders who still can’t locate their car insurance policy information can contact their carrier’s customer service number and ask for their ID number.
Remember, in most states, it’s illegal to drive without having proof of insurance inside of your vehicle. Most drivers keep their insurance cards in their vehicles’ glove boxes, so they can always find the policy number with ease. Some providers also offer an easy-to-use mobile app that allows you to pull up a digital ID card whenever you need it, rather than having to keep the paper version in your car.
When You’ll Need Your Car Insurance Policy Number
For many drivers, auto insurance is a monthly bill that doesn’t receive a lot of thought. When you receive your ID card, it simply gets placed in your glove box, and you go about your day. However, there are some instances where being able to access your car insurance policy number is crucial.
While we all attempt to be safe drivers, sometimes car accidents do happen. Whether it’s your fault or not, you’ll likely want to file an insurance claim to address any damage to your vehicle and damage to any other vehicles involved. The other party will probably want your policy number and contact information as well.
Not all scenarios involving your policy number are negative, though. If you’re in the market to purchase a new vehicle, it’s likely that you’ll need to show proof of coverage before you buy. Again, having your policy number handy, as well as your insurance company’s contact phone number, will go a long way toward making your transaction easy.
Many policyholders often wonder about what happens to their account number when they bundle their auto policy with another type of coverage from the same provider. Although you might be working with the same company for multiple types of coverage, each policy is treated individually.
That means you’ll have a separate policy number for your car insurance, home insurance, and more and could even receive separate bills for each. Some carriers outsource certain types of policies to other companies as well, so it may not even be possible to have the same policy number for all coverages even if you wanted to. When in doubt, it’s best to contact your insurance agent for more information.
When You’ll Need Someone Else’s Car Insurance Policy Number
As mentioned, you’ll definitely want to have your policy number ready and available in the event of a car accident. No matter the circumstances of the incident, it’s also smart to obtain the policy number of the other driver involved as well.
Try to get as much detailed information as you can regarding their auto insurance policy, including their member ID, group number if applicable, and the phone number you should call to begin an insurance claim. If you have a smartphone, taking a picture of their ID card is often the easiest way to go. Many times, it’s ideal to retain some of their personal information as well, including the VIN of their vehicle and their driver’s license number.
If the accident is serious enough that you’ve sustained injuries, having this information will be critical. Many times, healthcare providers can bill your co-pays and other expenses related to your treatment directly to the other party’s insurance carrier.
Conclusion: How to get the best and cheapest car insurance
For many people, driving is a necessity, and if you’re going to be on the road, you have to have car insurance. Instead of spending an immense amount of time searching for the cheapest option that gives you the most amount of coverage, visit Insurify.
Simply enter a few simple pieces of information, and in a matter of minutes, you can compare cheap car insurance quotes by price, company, and even by Insurify’s quality score. Drivers who are exploring budget options can view which companies offer low or no down payments to get started.
Finally, if you need to start driving right away and can’t wait for your ID card in the mail, you’ll be able to see which providers can offer a printable card at the time of purchase. Don’t let the details of a car insurance policy become stressful—simply visit Insurify, and before long, you’ll have a car insurance policy number of your own!