The car insurance declarations page explains how much your car insurance costs and how much you’re getting for what you pay.
Kara McGinley is a senior editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.
A car insurance declarations page is the first page of your auto policy, and it explains all the basic details of your policy, like how much your car insurance premiums are and the type of coverage your policy contains. You can think of the declarations page as a summary of your auto insurance policy.
The declarations page (also called the dec page) contains your premium, how frequently you pay it, and the deductibles you’re required to pay for each coverage component. It will also list your car, its make, model, and vehicle identification number, and its lienholder, if you lease.
Your car insurance declarations page will have important information about your auto insurance policy, such as cost and coverage types and amounts. Popular insurance companies like GEICO, Progressive, and Allstate will provide a declarations page when your policy begins:
If you don’t have your declarations page, you can call your car insurance company to request a copy. You may also be able to access it online through your insurance company’s website or app. When you make a change to your coverage or renew your policy, your insurer should send you a new declarations page.
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