A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 26, 2021

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Here's what you need to know...

  • When you buy insurance, your rates will remain the same for the entire term after the policy is issued
  • After the term is up, the policy will renew with a new premium based on the company’s rates and your personal risk factors
  • When your policy is up for renewal, it’s very important to review your insurance so that you can verify that you have adequate coverage and that you have up-to-date information on the policy
  • You can review your coverage on your declarations page
  • Your policy number, expiration date, and other basic information are on your auto insurance ID card

When you buy auto insurance, it’s important to build a custom policy that will provide you with an adequate amount of coverage.

If your policy includes all of the coverage that you need, you never have to worry about having a loss that could drain your bank accounts and your assets. Unfortunately, it’s common for policyholders to buy a policy and never give it a second look.

Staying loyal to your auto insurance company can save you money, but if you’re failing to review your auto insurance renewals, the outdated information on your policy could have the opposite effect on your rates.

It’s important to know where you can review your insurance details at all times. Here are a few places that you can look.

Don’t fail to save money. Start using our FREE comparison tool above!

How to Review Your Insurance Details at Renewal

When an insurance policy renews, the company is allowed to underwrite your policy and update your rates. If the company has had a company-wide increase, your rates will almost certainly go up.

Rates can also go up if your risk class changes or discounts are omitted from the policy when you fail to provide information requested by your agent.

The best way to catch errors in your insurance details is to review your insurance policy every time it’s renewed. When your insurer reassesses your household and comes up with a new rate, the company will mail you a renewal offer or a non-renewal notice.

Here are some areas to review to ensure that all of your information is correct:

  • If you’ve recently moved, check both your mailing address and your garaging zip code. Agents will often update mailing addresses without changing the zip code where the vehicle is stored
  • If you have a teenage driver in the home, make sure their Good Student Discount and Driver Training Discount have not fallen off the policy
  • If you’re 55 or older, check to see if you have a Mature Driver credit for the training program you took
  • Review your vehicle discounts. If you have an alarm or other safety features installed in your vehicle, be sure to add them
  • When you receive a low mileage discount, you need to show how many miles you’ve driven throughout the year. Make sure to provide an updated odometer reading to avoid losing your discount
  • Check your credit rating to see if it’s been updated

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Finding Basic Auto Insurance Information

If you need to give someone your policy number, or you need to show that you have the insurance that’s required by law, you can easily do this on-the-go by pulling out your auto insurance ID cards. The cards will show your policy number, expiration date, vehicle information, and driver information.

If you want information on your current term, you can find almost everything that you need to know about limits, coverage options, and rating information on your declarations page.

Pull out all of your insurance documentation and look at the latest declarations page issued. You can also find this information online if your insurer offers online access. It’s critical to consider how much insurance you need instead of how much insurance you’re required to have by law.

If you’re trying to compare quotes, the quickest way to do this is to use our FREE online quote comparison tool. Enter your zip code below and compare the best rates from several providers.