I’ve Forgotten Who My Car Insurance Is With

It’s easy to forget who your auto insurance is with. Luckily, you’re legally required to carry proof of insurance with you, and this can help you find your provider if you’ve forgotten who your car insurance with. Take a look at your insurance paperwork, review your bank statements, or call your local DMV to find out who your insurance carrier is.

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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.

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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.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 27, 2020

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Things to know...

  • All drivers should carry proof of auto insurance with them at all times
  • There may be several convenient ways to determine who your car insurance is with currently
  • If you have lost track of who your car insurance is with, this may be a good sign that now is a strategic time to shop around for new coverage.

It is easy for busy individuals to lose track of seemingly minor things such as auto insurance. You may recall shopping around for car insurance at some point and signing up for coverage but have misplaced their card or other documentation.

Drivers should be aware that this can be a major problem, and it should be rectified as soon as possible.

Compare car insurance quotes today by entering your zip code above. It’s free and you could save hundreds of dollars a year.

Why You Need to Know Who Your Car Insurance Is With


As long as you do not need to file a claim on your car insurance policy today, you may be wondering why you urgently need to address this situation.

After all, you may have other pressing matters to address today, and forgetting who your auto insurance provider is may seem minor.

In reality, however, drivers should always be aware of who their coverage is with, and they should also have proof of insurance at all times when operating a vehicle.

For Legal Reasons

In most areas, drivers are required to carry proof of insurance, such as through an insurance card or certificate, at all times. It is often not enough to have insurance in place, and you need to be able to prove that you have coverage to comply with the law in many states.

If you do not know who your coverage is with, there is a good chance that you cannot locate your auto insurance cards or certificates.

Before you drive without proof of coverage in hand again, you need to determine who your coverage is with and get new replacement insurance cards.

In the Event of an Accident

If you are involved in an accident, you need to provide other parties with your auto insurance details.

Required information that you need to convey includes your provider’s name and phone number as well as your policy number, and these details should be provided at the scene of the accident.

Law enforcement officials may cite you for lacking insurance if you are unable to produce the documentation at the site of an accident as needed, and you may be fined or face other significant penalties as a result.

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Comparison Shopping to Find the Best Deal

Another important factor to consider relates to paying for your insurance premium. Savvy drivers shop for new auto insurance rates each time their policy renews. If you do not know when your policy renews, you may not remember to shop for better rates periodically as needed.

In addition, you may not know how much your current insurance premium amount is or when the next payment is due. It can be challenging to manage your personal finances if you are unaware of these important details.

If your coverage has lapsed, you may not be aware that you are driving without coverage in place, and this could create a serious liability risk for you in some cases.

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How to Determine Who Your Current Coverage Is With

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As you can see, it is imperative that you learn who your coverage is with today. You also need to determine what your coverage limits are and how much you are paying for coverage.

Drivers can take a few easy steps today to quickly obtain more information about existing auto coverage.

Review Your Bank Statements

One of the easiest ways for most drivers to learn who their insurance company is, involves reviewing bank statements. You may have paid your premium in full for a quarter, for six months or even for an entire year.

Therefore, you may need to scour through numerous bank statements before you find the last withdrawal for an auto insurance premium.

While this effort can take time, it nonetheless may be the most effective way for most people to determine which company they paid their last premium payment to.

Check Your Email

Many insurance providers send proof of coverage, billing statements, and other information via email today. You may be able to use a search function in your email program to look for auto insurance details.

Remember to check your junk or spam folders in case emails were channeled to these areas of your account. If you have multiple email addresses, review all of your accounts for more thorough results.

Monitor the Mail

If your search of your email accounts and bank statements did not turn up any information, you may need to check your mailbox for the next few weeks.

Many insurance companies regularly mail billing statements, renewal notices, policy updates, and other information to policyholders.

By paying attention to the items in your mailbox, you may be able to determine who your auto coverage is with.

After you determine who your provider is, you need to contact that company to obtain current policy details and premium information.

Most providers will be able to immediately email you proof of insurance cards or allow you to download them from their website.

How to Comparison Shop for Auto Insurance


When a driver forgets who his or her car insurance coverage is with, there is a good chance that the driver has not shopped for new rates or updated coverage types and limits recently. Auto insurance rates can change periodically, and your need for coverage can also change.

Because of these factors, many drivers benefit from comparing rates for coverage every six months.

Determine How Much Coverage You Need

If it has been more than six months since you last compared auto insurance rates and shopped for coverage online, you should begin this process today by determining how much coverage you need.

To get started, learn more about your state’s minimum auto insurance requirements as well as your car lender’s requirements.

These requirements should serve as the basis for the minimum amount of coverage you need.

Many drivers opt to purchase more than the lowest level of coverage required to enjoy added protection and financial benefits.

Some of the optional coverage types you may consider buying include:

  • Towing coverage
  • Rental car reimbursement coverage
  • GAP insurance
  • Personal property coverage

Shop Online

Drivers can shop for rates and compare policy options in several different ways, but shopping online is one of the most convenient options available.

You can easily request quotes from leading providers at any time of day that is convenient for you, and you can compare the quotes quickly to identify the best option available.

When requesting quotes, only choose providers that are financially secure and that have an excellent customer satisfaction rating.

Use Money-Saving Strategies

Updating your car insurance coverage types and limits is important, but you also may want to find the most affordable coverage option available. There are numerous strategies that drivers can use to save money on their premium, and these include:

  • Raise the deductible amount
  • Choose lower coverage types and limits
  • Pay the premium in full
  • Set up automated monthly payments rather than paying manually
  • Improve your credit rating
  • Take advantage of discounts

There is a multitude of car insurance discounts available through many providers. You may find common discounts such as:

  • A good student discount
  • A senior citizen or retiree discount
  • A claims-free driving record discount
  • A discount for taking a driver’s education course
  • A low mileage discount

If you have forgotten who your car insurance is with, you need to take immediate steps to research your provider as well as your coverage types and limits. You should then take the additional step to update your coverage and shop for better rates.

Be sure to print out your insurance cards, and keep one card in your vehicle and another card in your wallet.

Compare car insurance quotes today to find the best rate for the coverage you need. Enter your zip code below to begin comparing.

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