A car insurance declarations page is a concise overview of your policy provided by your insurance company. It is the first page of your auto policy and explains all the basic details of your policy, such as how much your car insurance premiums are, the type of coverage your policy contains, and the coverages, limits, and deductibles youve chosen to purchase. The declarations page provides the most important information about your personal insurance policy, including:

• The named insured (i.e. the main policyholder) and any additional insureds
• Any excluded drivers
• Your policy number
• The length and effective dates of your policy term
• The year, make, model, and vehicle identification number (VIN) for each vehicle included on your policy
• Itemized coverages for each vehicle, since its possible you might not need to carry the exact coverages and limits for each vehicle on the policy
• Loss payees

Your declarations page isnt meant to explain your auto policy in exhaustive detail, but instead serve as an easily readable summary. It might not mention your policys exclusions, definitions of terms, and coverages. For that kind of information, you can dig deeper into your car insurance documents or contact your insurance company or insurance agent. You will receive a new declarations page every renewal period, which is normally every six months. You may need your car insurance declarations page when you first buy your policy, need a reminder of what coverage you have, or shop around for a new policy.