To put things simply, a car insurance declarations page is a concise overview of your policy — but do you know the kind of information it provides or how it can benefit you? Here, we break down the fundamentals of this important insurance document.
Typically the first page of a car insurance policy, a standard declarations (or "dec") page provides all the most important info about your personal insurance policy, including:
- The named insured (i.e. the main policyholder) and any additional insureds
- Any excluded drivers
- Your policy number
- The length and effective dates of your policy term
- Year, make, model, and VIN of all cars on your policy
- Your driving history (tickets, accidents, and any other violations)
- Your average annual mileage
You'll also be able to find other key pieces of auto insurance information, which we outline below.
A loss payee is an individual or institution that has an insurable (or vested) interest in your property. In the case of a new car purchase, the loss payee is the lender or lessor, depending on whether you're buying or leasing the vehicle. Your car insurance declarations page will include the name, address, and contact information of any loss payees.
Coverages, limits, and deductibles
Auto insurance is required by law in nearly every state, so having your policy coverage info at the ready is essential (not to mention helpful). You can find a listing of most of the coverages you carry on your auto policy — as well as limits for each of those coverages — on your declarations page. You'll also see any applicable deductibles, which are the out-of-pocket amounts you agree to pay before certain coverages (like comprehensive and collision) kick in.
Discounts and premium
It's always nice to have a clear breakdown of your car insurance premium, which your dec page conveniently provides. If you have multiple vehicles on your policy, the declarations page will itemize the rate for each one, in addition to listing the total premium. You'll also be able to see all the discounts applied to your premium for the current policy term.
what info isn’t included on your declarations page?
Remember that your declarations page isn't meant to explain your auto policy in exhaustive detail, but instead serve as an easily readable summary. It might not mention your policy's exclusions, definitions of terms and coverages, or all the optional add-ons you carry (like roadside assistance or rental car coverage, for example). For that kind of information, you can dig deeper into your car insurance documents or speak with an agent.
when will you need your auto insurance dec page?
Say you've just purchased a vehicle and are ready to drive it off the lot. Not so fast, though — first you'll need to show the dealer some proof of insurance for your new investment. Luckily, once you've secured coverage for the car, your insurer will be able to fax your dec page over to the dealership so you can take off with your new ride.
A declarations page can also come in handy when you're shopping for new car insurance. All of your existing policy's fundamental details are compiled into a single page so you can easily compare apples to apples and ensure you're quoting policies that offer the most value.
And speaking of auto insurance policies that offer top-notch coverage at an affordable price, don't forget to get a quick, free Esurance quote online, or by giving us a ring at 1-800-ESURANCE (1-800-378-7262). Our licensed agents are here to help at these times.
What is a homeowners dec page?
Like auto insurance, homeowners insurance policies have declarations pages. Learn more about them from the experts at Esurance.
Here's everything you need to know about your car's vehicle identification number (VIN).
More about car insurance
Looking for another insurance product?