An insurance declarations page summarizes key policy informationAHome Media

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After you’ve purchased a car insurance policy, your insurer should mail you an insurance declarations page. This is a sheet of information that explains the most important facts about your policy. It can be useful to help you understand your coverage or to be used as proof of auto insurance.

In this article, we at the Home Media reviews team will explain the information typically covered on an insurance declarations page. If you’re shopping for an auto policy, start by reaching out for free, instant quotes from the best car insurance companies using the tool below.Compare car insurance quotesAnswer a few simple questions to save money on your policy

  • What’s on an insurance declarations page?
  • Do you need an insurance declarations page?
  • How to get your car insurance declarations page
  • Our recommendations for car insurance
  • Our methodology

What’s on an insurance declarations page?

An auto insurance declarations page, sometimes referred to as a dec page, provides a snapshot of the most important information related to your policy. This can include:

  • Policy number: A unique number attached to your policy, which you’ll need when you file an insurance claim, trade information after an accident or call your insurer for customer support
  • Policy effective date: The date your policy becomes effective and coverage begins
  • Agent information: Contact information for your insurance agent (if you have one)
  • Policyholder details: Your own name, address and phone number
  • Covered drivers: List of any drivers officially covered under the policy and any drivers that are excluded from coverage
  • Vehicle details: The year, make, model, vehicle identification number (VIN) and average mileage of the covered car or cars
  • Coverage details: Types of coverage included in the policy, coverage limits, deductibles, premiums and policy add-ons such as accident forgiveness
  • Policy period: The expiration date for your coverage (typically six or 12 months from the start date)
  • Loss payee: Any party with a vested interest in the vehicle, including the lender if you lease or finance your vehicle
  • Discounts: Some insurance declarations pages list the insurer discounts that are applied to your policy

Do you need an insurance declarations page?

You will be required to provide proof of insurance before you’re able to drive a newly purchased vehicle off the lot. An insurance declarations page can prove that you carry the minimum state liability limits.

Another reason to have an insurance declarations page is for your own quick reference. The page provides an overview of the most important information about your policy and can be helpful for understanding your coverage.

How to get your car insurance declarations page

After you sign up for a car insurance policy, your insurer will typically send you an insurance declarations page in the mail. If you buy car insurance online, most insurers will allow you to print your declarations page from their website. You can also call your insurer to ask to have a declarations page mailed to your address if you need an extra copy or lose your original.

Our recommendations for car insurance

If you don’t have car insurance or if you think you’re paying too much for car insurance, it’s worth comparing coverage and quotes from several insurers to see where you can get the best deal. Read more about Geico and Progressive, two of our top-rated insurance providers, below or use this tool to get free and quick car insurance quotes from some of the best insurers in your area:Compare car insurance quotesAnswer a few simple questions to save money on your policy

Geico: 9.1 out of 10.0

Geico is one of the largest insurers in the U.S. With Geico, customers can often find the cheapest insurance coverage in their state. This is thanks in part to Geico’s many car insurance discounts, which include:

  • Multi-policy discount
  • Multi-vehicle discount
  • Good driver discount
  • Good student discount
  • Safety feature discounts
  • New vehicle discount
  • Military discount
  • Emergency deployment discount
  • Federal employee discount

Geico not only offers cheap car insurance, but also excellent customer service. The provider scored above the industry average in every region in the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM. It even ranked first place in three out of the 11 regions surveyed.

Progressive: 9.0 out of 10.0

Progressive is another good option for your insurance needs, especially if you are a high-risk driver who is either under 21, over 65 or has a DUI/DWI on your driving record. Progressive’s discount opportunities include:

  • Multi-policy discount
  • Multi-car discount
  • Homeowner discount
  • Teen driver discount
  • Good student discount
  • Distant student discount
  • Online quote discount
  • Paperless billing discount
  • Pay-in-full discount

Progressive is also a good choice for drivers who want to tailor their policy to their budget. The insurer’s Name Your Price® tool allows you to start building your policy and selecting coverage types based on what you want to pay.

To see how the two companies compare in detail, read our Geico vs. Progressive review.

Our methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • Reputation: Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
  • Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
  • Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Customer Experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

*Data accurate at time of publication.