Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: May 26, 2021

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Here's what you need to know...

  • If you want to find your policy term and your policy number, each can be found on your auto insurance ID cards that you keep in your wallet or your glove compartment
  • Policyholders who are looking for more detailed information should pull out their declarations page
  • An auto insurance declarations page includes details on who is covered, what’s covered under the policy, and how the policy is rated
  • If you’re looking for information about your driving record, you may be able to find the dates of tickets you’re being surcharged for on your declarations page. If you’re not being charged for the ticket, you need to request your Motor Vehicle Report through the state to get dates and infraction information
  • If you want to find out information about past accidents, you can ask your current insurer for a claims history letter. If you’re not sure who you were insured with, you can order a C.L.U.E. report and see the accident information that insurance carriers can see

Auto insurance isn’t something that you think about on a daily basis. Typically, insurance is a product that you know you need, but you hope never to use.

You might reflect on your policy when a payment comes due or when you receive your renewal packet, but you don’t need to review the details of your coverage until you want to file a claim or switch carriers.

It’s crucial that consumers review their auto insurance on a regular basis to ensure that their rates are accurate.

If you’re not sure where you should look to review your rating information and details about past claims and infractions, here’s a guide that will point you in the right direction.

Enter your zip into our FREE comparison tool above and starting shopping around today!

What type of information can you find on your auto insurance ID cards?


States require that all licensed carriers issue auto insurance ID cards to their policyholders.

These ID cards should be kept either in your wallet or your glove compartment so that you have everything that you need to show an officer if pulled over or in an accident.

ID cards act as proof of insurance, but they also include some information on your policy.

If you need basic information quickly, and you’re away from your home, the easiest place to find this information is on your portable ID cardSome of the information you might be able to find includes:

  • Named insured(s) on the policy
  • The mailing address
  • The policy number
  • The auto insurance carrier
  • The carrier’s NAIC license number, phone number, and address
  • Your agent’s address
  • The effective date and expiration date of the policy
  • The vehicle year, make, model, and VIN
  • Drivers who are assigned to the vehicle

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When might you need more information?

If this basic information isn’t enough, you’ll need to go home and find the declarations page that you filed away after your renewal.

You might want to review your policy details that are found on your declarations page for many reasons.

Here are some scenarios where having your declarations page can help you:

  • You need to verify that you have high enough limits to protect your finances and assets.
  • You’re buying a new vehicle, and you want to verify that you currently have physical damage coverage.
  • You plan to rent a vehicle and want to see if you need supplemental rental car coverage.
  • You must prove that you have high limits of liability or medical payments coverage to drive kids on a field trip.
  • You have a loss and want to see if you have coverage to pay for repairs.
  • You’d like to review your premiums and shop around for coverage with another carrier.
  • You want to see if you’re being charged for tickets and accidents.
  • You’re verifying your renewal notice for accuracy to ensure you’re getting all of the discounts that you qualify for.

What type of information does the declarations page show?


Every company has their own declarations page layout, but most of the documents include the same details.

When you receive your policy packet in the mail after you activate your coverage, you will find an official declarations page.

On this page, you can expect to find the following information:

  • Named insured and address
  • Garaging zip code
  • Vehicle year, make, model, VIN, odometer reading, average annual mileage, safety features, and alarm discounts
  • Driver names, license numbers, years of driving experience, and vehicle assignments
  • Dates of convictions and accidents that are surcharged on the policy
  • Credit rating
  • Discounts on the policy (multi-car, multi-line, good driver, and good student, driver training, and mature driver)
  • Coverage limits, coverage types, and the cost per benefit

Your declarations page offers the most detailed information on your existing coverage. If you’d like to shop around for coverage or you want to perform an insurance checkup, review the rating information.

Enter your zip code into our FREE online quoting tool and you can compare quotes.