How to Find Out My Car Insurance Details

You can find out your car insurance details by reviewing your existing policy to see what levels of coverage you have. Once you find out your auto insurance details, you may choose to increase or decrease your levels of coverage. Before you do, get free insurance quotes online to see how much these changes will affect your rates. Enter your ZIP code below to get started.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 27, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Things to know...

  • The coverage types and limits that you select will play a role in the cost of your coverage as well as how effective the policy may be when you file a claim
  • Drivers should understand existing coverage before shopping periodically for better rates
  • Smart drivers will compare rates every six months to keep insurance terms updated and to avoid paying more than necessary for coverage

When you initially bought your car insurance policy, your agent may have carefully reviewed your coverage types and limits when you bought the policy. However, many policies auto-renew, and it may have been several years since you last reviewed or updated your coverage.

Updating insurance coverage periodically will help you to maximize the protection that a great car insurance policy can provide, and it may also help you to identify which provider offers the lowest rates.

Before you can determine if you need to change providers or coverage, you need to review your current coverage.

Compare car insurance rates by using our free comparison tool above. You might be surprised by how much you could save on the coverage you need.

Reviewing Your Existing Policy


Regardless of whether you need to file a claim against your current policy or you are thinking about shopping around to find a better rate, you need to review your existing coverage as a starting point.

Your insurance company may have sent you paperwork that you stored away in your filing cabinet, or you may have a copy of your policy’s terms and conditions saved to your computer.

If not, you will need to call the provider’s customer service phone number to request more information about your current car insurance policy.

Learning About Existing Requirements for Coverage

After you learn what your existing car insurance coverage includes, you need to determine if it is sufficient for your needs.

The best way to make this determination is to review your legal requirements for coverage in your state and your lender’s requirements if you have a car loan.

By focusing your attention on these important elements, you can determine if you are obligated to increase or adjust coverage.

Determining If You Need Extra or Optional Coverage

Even drivers who are not required to adjust their car insurance coverage may benefit by doing so.

Some will reduce coverage to save money if they are no longer required to maintain a high level of benefits, but others will increase coverage to enjoy the added benefits that it can provide.

For example, if you do not currently have rental car reimbursement on your policy, you may add this coverage to your policy today.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Understanding Why Better Rates May Be Available

Some drivers will update their coverage terms and limits, but others will shop around for new rates while keeping the coverage levels the same.

This update could potentially seem like a waste of time if you compared rates when you initially set up the policy, but car insurance rates are based on numerous factors that can change over time. These factors include:

  • Your driving record
  • Your credit rating
  • Your car’s replacement value and average repair costs
  • Statistics for vehicle thefts and accidents in your zip code

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Requesting Updated Coverage Quotes


There are many reasons why you may be ready to request updated quotes for car insurance, and the good news is that this process is usually fast and easy when you request a quote online. Most drivers will request three or four quotes from carefully selected insurance companies.

First, you will need to choose the companies that you want to contact based on careful research. Focus your attention on the financial strength of each provider, and research the customer satisfaction rating of the top companies that you are interested in.

When you have narrowed down the options to the top few auto insurance providers available, you can easily request quotes online to save time and effort.

Filing a Claim

Some drivers want to know what their current policy terms and limits are because they want to shop around to identify savings, but others may need to file a claim.

You do not want to file a claim if your coverage does not sufficiently cover the incident or if your deductible is close to or more than the repair cost.

Filing a claim is usually a straightforward process, and you often can provide your insurance company with all of the details about the incident over the phone to begin the process.

An estimator or adjustor will inspect the vehicle to estimate its value and repair cost before finalizing the result of your claim and issuing a possible payment. You can typically choose which service shop you want to take the vehicle to in order to get the repair work completed.

Disputing a Claim

Many claims are effectively resolved with little hassle or stress, but some drivers discover that their insurance company will not pay out on the claim. If you believe that this is in error and is against the terms of your coverage, you can dispute the result in different ways:

  • Hire an arbitrator
  • File a dispute with your state’s insurance department
  • Hire a lawyer

Following Effective Driving Safety Tips


Many drivers will benefit by improving their driving record. This can help you to qualify for a better rate on car insurance in the future, and it may also prevent you from being involved in an accident.

Some of the effective safety tips you can follow each time you get behind the wheel include:

  • Avoid driving during inclement conditions
  • Ensure that your vehicle is properly maintained at all times
  • Avoid driving aggressively
  • Avoid driving at a high rate of speed
  • Obey all posted traffic signs and notices
  • Wear your seatbelt
  • Never drive with distractions

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Preparing to Contact Your Existing Provider

All drivers should be aware of what their car insurance benefits are and what the potential risks associated with being underinsured in certain areas are at all times.

Regardless of whether you want to shop for better rates on the coverage you need or you want to file a claim after you have been involved in an accident, prepare to contact your existing auto insurance provider by gathering the following:

  • your policy number
  • vehicle data
  • potential accident details as necessary

By doing so, you can more easily communicate with your provider about your current needs.

Enter your zip code into our free rate comparison tool below to find the coverage that’s right for you.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption