Trusted Auto Insurers

Policy Review checklist

17 steps to review your car insurance once a year: understand what you have, check your insurer, compare fairly, and switch safely if you decide to.

Track your progress with a free accountGet the free Quote Comparison Worksheet

Know what you have

Start with your declarations page.

  • Find your current declarations page Guide
  • Check every driver and vehicle is listed correctly Guide
  • Write down your liability and uninsured motorist limits Guide
  • Note your collision and comprehensive deductibles Guide
  • List extras like rental, roadside and gap coverage Guide

Check your insurer

Public information most drivers never look at.

  • Confirm the insurer is licensed in your state Guide
  • Look up its NAIC complaint index for auto Guide
  • Check its financial strength rating Guide
  • Read about its claims experience from real claimants Guide

Compare fairly

Same coverage, or the comparison means nothing.

  • Fill in the Quote Comparison Worksheet with your current policy Guide
  • Get quotes with identical limits and deductibles Guide
  • Check the license of any agent you talk to Guide
  • Compare the price of two deductible levels Guide

Decide and switch safely

No gaps, no double charges.

  • Confirm a new insurer is real before paying Guide
  • Start the new policy before cancelling the old one Guide
  • Tell your lender or lessor about the change Guide
  • Check you receive any refund from the old policy Guide