What a Car Insurance Declaration Page Is and Where to Find It

A car insurance declaration page summarizes your auto insurance policy, including your specific coverage details.

Margaret Wack
Written byMargaret Wack
Margaret Wack
Margaret WackPersonal Finance Writer
  • 8+ years writing about insurance and personal finance

  • Widely published insurance expert

Margaret has written extensively on personal finance topics, including insurance, taxes, budgeting, saving, and more. She’s also a marketing manager and an award-winning poet.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated May 9, 2024 | Reading time: 4 minutes

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Your car insurance declaration page includes information about your policy’s coverage types, coverage limits, deductible amounts, and the cost of the coverage options. It also includes your policy’s term length, your policy number, and information about your car.[1] The car insurance declaration page is usually the first page of your auto insurance policy.

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Details included on your car insurance declaration page

Your car insurance declaration page includes all the basics of your policy, including the following:

  • Named insureds: The names of all covered drivers

  • Policy number: The unique number assigned to your policy

  • Policy period: How long the coverage lasts, with dates

  • Coverage types and limits: The specific coverage types and amounts

  • Deductibles: The amount you owe your insurer when filing a collision or comprehensive claim

  • Premiums: How much you pay for each type of coverage and your total car insurance premium

The car insurance declaration page is for your benefit — it provides you a clear overview of your policy details. If you’re unsure about how much coverage you have or whether you should make any changes to your policy, the car insurance declaration page is a good place to start.

Policyholder information

The declaration page lists the names of covered drivers. This includes the name of the policyholder as well as any other drivers who have coverage under the policy.[1] If you’ve purchased a policy that covers yourself, your spouse, and your children, the declaration page should include all your names.

If someone else drives your car semi-regularly, you may want to add them to your policy as a covered driver. Your policy will then automatically cover them if they have an accident while driving your car. That said, if you occasionally give someone else permission to drive your vehicle, your coverage should extend to them if they have an accident — even if they aren’t a named insured.[2]

Vehicle information

Your car insurance declaration page also includes basic information about your vehicle, including its year, make, model, and VIN.[1] If you lease or finance your vehicle, it may also include information about your lender. If you have more than one car on your car insurance policy, this section will include information for each vehicle.

The vehicle detail section is important because it shows you which vehicles your policy covers. This section typically appears underneath the named insureds at the beginning of a car insurance declaration page.

Policy information

You can find information about your policy term, coverages, and costs on your car insurance declaration page. Car insurance policy term lengths are typically for either six months or a year. You’ll need to renew your policy or purchase a new one before the end date to maintain continuous coverage.

The page will list all the coverages in your policy — including mandatory liability insurance and added endorsements — as well as their specific limits and deductibles. And you’ll be able to review your premium information, including your overall premium and the breakdown of cost by coverage type.

Discounts

On your auto insurance declarations page, you can also find all the premium discounts you qualified for during the policy term.

Many insurers offer discounts to help drivers save on car insurance. Here are some popular discounts you may qualify for.

  • Bundling: Many insurers offer a discount if you buy more than one policy type together. Bundling homeowners and auto insurance is a common tactic for reducing overall rates.

  • Multi-car: Some insurance companies offer discounts if you insure multiple cars on your policy.

  • Pay in full: If you pay your policy in full in advance, you may be eligible for a discount. For example, you may pay for six months of car insurance coverage at the start of your policy’s term in exchange for a discount.

  • Anti-theft devices and safety features: Policyholders may be able to save if their cars have certain anti-theft and safety features, like airbags or anti-lock brakes.

  • Good driver discount: Many insurers offer discounts for good drivers who have a history of safe driving or who haven’t had an accident for a few years.

  • Organizational member discount: If you’re a member of a particular professional or academic organization, you may be eligible for a discount.[3]

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Where you can find your car insurance declaration page

If you choose to receive a paper copy of your car insurance policy, the car insurance declaration page will be the first page. If you choose to go paperless, you can access your car insurance declaration page online.

Though car insurance declaration pages and online availability may vary by car insurance company, you can generally find it by logging into your account. Companies may include it with your other policy documents. If you have trouble accessing it, you can reach out to your insurance agent or a customer service representative for help.

Declaration page FAQs

Find answers below to any remaining questions you have about your car insurance declaration page, such as what important information it includes and when you might need it.

  • What is a declaration page for car insurance?

    A car insurance declaration page is a short, detailed summary of your car insurance coverage. It includes information about the covered drivers, covered vehicles, and what types of car insurance coverage you’ve purchased, including coverage limits and deductibles.

  • Is a declaration page the same as proof of insurance?

    No, a car insurance declaration page isn’t the same as proof of insurance. Your insurance card holds the details for your proof of insurance, which is a physical card your insurer issues or a digital card you can access online or through your insurer’s mobile app. If a member of law enforcement pulls you over and asks for proof of insurance, you should show them your insurance card, not your declaration page.

  • Do you get a new declaration page when you renew car insurance?

    Yes, you get a new declaration page when you renew your car insurance policy because key items on the declaration page may have changed. For example, you may have added new drivers to your policy, purchased a new vehicle, or modified coverage amounts.

    But even if your policy has largely stayed the same, one important piece of information will be different: your policy’s start or effective date and end date. For this reason, you’ll always get a new car insurance declaration page whenever you renew your policy, even if the other details of your coverage remain unchanged.

  • Why is the declaration page important?

    The car insurance declaration page is important because it gives you a simplified overview of your auto insurance coverage. If you ever need to reference how much auto insurance you have or how much you’re paying for it, your car insurance declaration page will have the answers.

Sources

  1. National Association of Insurance Commissioners. "NAIC Consumer Shopping Tool for Auto Insurance."
  2. Travelers. "Does Car Insurance Follow the Car or the Driver?."
  3. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
Margaret Wack
Margaret WackPersonal Finance Writer

Margaret Wack is a personal finance writer with a master's from St. John's College. She has written about finance and insurance topics for publications including Investopedia, Bankrate, MoneyGeek, The Simple Dollar, Money Under 30, and more. She has also written for sites like Angi, US News & World Report, ArtfulTea, and Reviews.com. Connect with Margaret on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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