What does an auto insurance policy look like?

An insurance policy lists the coverage your chosen company will provide for you in case of an accident. An average 6 month policy in the U.S. is around $600.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 26, 2022

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Things to Remember...

  • Your insurance policy has important information that is specific to you
  • You may your lienholder information on the policy if you still owe money on your car
  • The most important part of your policy will be your coverage and premium information

All auto insurance policies share some similarities. Most policies include the name of the insurance carrier, your policy number, the expiration date, personal information, the lien holder, a vehicle description, two signatures, coverage details, the premium amount, and riders or exclusions. These are all factors to consider when you manage your car insurance policy.

Generally, the coverage and premium amounts are the most important components of the policy since they explain what will be covered in the event of an accident.

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What does the coverage and premium information on my policy mean?

The coverage tells you what the auto insurance company will cover you for. The premium is how much your payments will be. You will want to look for this information when filing a claim to make sure you get what you are entitled to according to your policy.

The coverage type will show you what your insurance company will and will not cover. There will usually be a description that indicates how much you will be expected to pay.

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What other sections of the policy will affect my claim?

Other sections of your policy that you may want to look for when filing a claim are the rider and exclusion sections.

A rider is an optional component that you can pay extra for. One example of a rider is roadside assistance.

An exclusion is something that is not covered on your auto insurance policy. For example, an exclusion might be glass damage or a crack in the windshield. Make sure you review these components and contact your insurer if something does not look right. 


What can I expect to find under the other sections of my policy?

Other sections of your policy are self-explanatory, like the auto insurance carrier name and your policy number. Keep in mind, though, that a company’s legal name may be slightly different than the name they market.

The expiration date of the policy lets you know how long your coverage lasts. You will be given ample opportunities by your insurance company to renew your policy before it expires.

Your personal information such as your name, address, and telephone number will also be on the policy. Be sure to check this information so that your insurer can communicate with you easily.

What information will there be if I still owe money on my car?

If you still own money on your vehicle, your lien holder will be included in your policy. This is the company or bank that owns your vehicle and would receive money if the vehicle was totaled.

Your vehicle’s description will also be on the policy. The make, model, year, and color of the vehicle will appear along with the vehicle identification number (VIN). This number is unique to your vehicle and will need to be given to the police if your vehicle is stolen.

The signature line includes a signature from the agent who sold you the policy and the head of the company. These are generally computer-generated signatures but they still serve to make the policy active.

Now that you have all the information you need, you can find the best car insurance that works for you. Start comparing auto insurance rates now by entering your ZIP code below!

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