Auto Insurance Policy

auto insurance policy

Find the right auto insurance policy for you; know what you need, what you want, and how to get it.

Sounds simple, doesn't it? It can be, but you need to put forth just a little bit of effort to be sure you understand the basics of your car insurance policy to ensure you've got the coverage you want and need - nothing more.

All drivers in America are required to be covered by a car insurance policy of some sort. A basic minimum amount of liability coverage is required by law in each state. You can't avoid that and still operate a motor vehicle within the law.

On top of the required liability coverage, there are a number of additional options for auto insurance coverage. Do you know what those options are? Do you want or need that extra insurance cover?


Your insurance policy is a legal contract between you and the insurance company you choose to deal with. Both parties have some responsibility in the agreement.

The actual policy contains all of the details of the agreement you've made, like how much you agree to pay, and exactly what you are entitled to in the event of an accident or other loss.

Yes, there are some companies who have a history of trying to squirm out of keeping up their side of the bargain. Do you know which insurance companies to avoid? You should!

The Declarations Page

The declarations page is the portion of your policy that spells out the details of your contract. Be sure to read them over carefully so that you are certain it is what you want.

If anything is left out, and you don't catch it, too bad for you. It won't matter down the road if you had requested certain coverage if it is not listed in the fine print.

Here are some of the facts you should review:

  • Name of the insurance company
  • Name of the policyholder(s)
  • Policy number
  • Policy period
  • Description of the vehicle/vehicles insured
  • Coverages purchased
  • Limits and Deductibles you agreed to
  • Premium charged for each coverage
  • List of additional forms that make up the policy

Your policy will also include the following elements:

  • Insuring Agreement
  • General Conditions
  • Mutual Conditions
  • Definitions
  • When and Where the Coverage Applies
  • Conditions if the Vehicle is Financed
  • Exceptions and Endorsments of the Policy

Additional Types of Auto Insurance Policies

Apart from the general car insurance policies available to the average driver, there are more specific policies for special circumstances.

Depending on your situation, you may want to consider checking into a policy dedicated to meet your unique needs:

Whatever type of auto insurance policy that you need, be sure to shop around for the best prices, ask for discounts, and review your policy carefully. For example, if you own a Corvette, you'll want to get just the right type of coverage to meet your needs.

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