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It is easy to overlook the finer details of your car insurance history over the years. If you are like many other drivers, you may periodically shop around for new coverage when you relocate to a new city or buy a new car.
Some drivers are loyal to a specific auto insurance provider, but many drivers have bought auto insurance from multiple providers over the years.
Recalling who these providers were, the effective policy coverage dates, and the coverage terms can be challenging to do.
These details may be needed if you are planning to apply for coverage in a new state, if you had a discrepancy in the past that is becoming an issue, and for many other reasons.
Regardless of why you need to obtain your insurance history, there are several options that you can consider using to find the information that you seek. Make sure to compare rates with our free quote tool above! Just enter your zip code and start comparing rates today!
Understand the Importance of Your Insurance History
Before you start digging around for insurance documents or making inquiries with companies or government agencies, focus your attention on the importance of your insurance history.
This history shows your claims reports and if you committed insurance fraud at any point in the past. It can also indicate if you had a lapse in coverage or trouble paying your premium.
Remember that car insurance is a legal requirement in most states, but excessive claims can make it difficult for some drivers to find affordable coverage. Whether you need your insurance history for these or other reasons, you need to obtain accurate, detailed information.
When you are turned down for coverage because of your insurance history, consider using a high-risk insurer or applying for coverage through a state high-risk assigned pool.
Contact Your Current Provider
Your current insurance provider likely has a detailed record of your claims history. This information is usually reviewed from the past when you apply for new coverage, so the current provider may have details about your coverage history that extends for many years back.
In some cases, drivers can even download and print or save this information directly from their insurance company’s website after logging into their account.
Reach Out to the Motor Vehicles Department
While your existing provider may have most or all of your car insurance history data for the past few years or longer, this provider may not have all of the details that you need.
For example, if you moved to a new state, the current provider may have not researched your previous driving history and may not have records.
Your current or previous state’s Department of Motor Vehicles may be able to provide you with the information you seek. Depending on how many states you have lived in, you may need to contact multiple government agencies to piece together the information that you are looking for.
Review Your Personal Records
Another option to consider if you want to learn more about your car insurance history for the last few years or longer is to review your personal records. You may have old emails archived in your computer that include policy details, premium payment information, and insurance certificates or cards.
Reviewing bank statements can tell you who premium payments were made to on specific months and years, and you can also potentially find old insurance cards or binders in a file cabinet or stashed away in your glove compartment.
Update Your Coverage
While you may have specific reasons for wanting to learn about your insurance history today, digging into your coverage records is a great reminder to update your coverage and to shop around for better rates.
If you are in the habit of allowing your coverage to automatically renew, it may have been several years since your coverage received your focused attention.
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– Explore Coverage Types and Limits Available
Your auto coverage needs may be based in part on your state’s minimum requirements and your lender’s coverage requirements. However, your coverage needs may have changed beyond these factors.
For example, you may no longer need rental car benefits because you have access to a second car, or you may need to increase your personal injury coverage because your health insurance plan is not as comprehensive as it once was.
Before increasing your coverage types or limits, ensure that you can afford to pay a potentially higher premium payment.
– Think About Ways to Lower Your Premium
If you have not shopped for lower rates or updated your coverage recently, there is a good chance that you also have not taken advantage of different methods available to lower your premium. Some of the ideas that you can consider using include:
- Improving your credit rating
- Opting for a higher deductible amount
- Buying a vehicle that is more affordable to insure
- Moving to a zip code with more affordable rates
– Use Car Insurance Discounts
It can take some time to fully implement those money-saving ideas, but there are auto insurance discounts that may yield more substantial savings with minimal or no effort.
Most insurance companies offer a wide range of discounts, and a few of the more prevalent options that you may run across include:
- A claims-free discount
- A safe driver discount
- A student or good grades discount
- A retiree or senior citizen discount
- A military vet or professional discount
- A bundled policies discount
Pay Attention to Car Insurance Expiration or Renewal Dates
After you address your current insurance needs today, you may be able to put the thought of auto coverage to the back of your mind for several months or longer.
As long as you pay your premium on time and keep your coverage active according to legal requirements, this is not something that normally requires on-going attention.
Nonetheless, you should be aware of your current policy’s expiration or renewal date, and you should make plans to update your auto coverage by shopping for new rates again at that time.
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