How do you know if you have car insurance?

How can I check if I am insured on my car? I don’t remember if my premium was set for six months or 12 months. I want to make sure my policy is still active.

Answer
It’s illegal to drive without valid car insurance in almost every state, so I’m glad you’re looking into this ASAP!
If you don’t know if you have car insurance, here’s how to check:
  • Look at your car’s registration paperwork: One way to see if you have an active insurance policy is to check your registration. In many states, the registration will outline your provider and your account number.
  • Ask the DMV for help: Many states require insurance providers to keep close contact with DMVs in order to update changes to a customer’s policy. So, if you don’t remember who your current insurance provider is, your local DMV can likely provide assistance.
  • Request a new insurance quote: When you get a new quote, agents can run a search to find your current insurer, see if your policy is active, determine when it expires, and let you know if there was a lapse in your coverage.
  • Check your declaration page: You should have a copy of your declaration page outlining your policy. If you don’t have a paper copy but have an online account on your insurer’s website, it should be accessible there. Look through it to check your coverage term.
If you find out that your policy is no longer active and are looking for new, affordable coverage, try the Jerry app. A licensed broker that offers end-to-end support, Jerry gathers affordable quotes, helps you switch plans, and will even assist in canceling your old policy.
Phoebe Mah
Answered on Nov 12, 2021
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