Paperwork Needed for Car Insurance

Car and Money
Getty Images/Nick M Do

Insurance of all kinds requires lots and lots of paperwork. Nearly everything needs to be verified and even though so many things are going digital, the insurance industry still relies heavily on paperwork. Not only will you need to provide paperwork to get your car insurance policy, the insurance company will give you lots of paperwork in return.

Paperwork for a Car Insurance Quote

  • Current Declaration Page
    If you have a current car insurance policy, you will want to provide your current declaration page to the insurance company you are getting a quote from. The declaration page will provide proof you do have insurance, plus it will let the insurance agent running the quote know what coverage you currently have on your vehicles.

    Occasionally the insurance company you are getting a quote from can pull some of your prior insurance histories. It is in these cases a declaration might not be required, but it is still a good idea. Most of the time your insurance history will not display all of your coverage, it will only verify you have an active policy.

  • Driver’s License
    Some insurance carriers may require a copy of your driver’s license. Many companies can input your license number and run your driving record to verify a valid license and any violations.
  • Voided Check
    Setting up EFT for your auto insurance payment is a great way to make your insurance payments. It is typical for your insurance agent to require a voided check so they can accurately set up your account for withdrawing.

Paperwork for Car Insurance Discount Verification

Several car insurance discounts require documentation. Plan on getting the following paperwork together if you’d been planning on receiving the following discounts.

  • Proof of Home Ownership
    Unfortunately, insurance companies can’t always take your word for it when it comes to discounts. The home ownership discount is a good one and often requires proof. Proof can come from tax documents or a homeowners insurance policy.
  • Report Card
    One thing you can count on when it comes to insurance paperwork is the requirement of proof of good grades for the good student discount. You must provide a current report card to verify the student meets the requirements.
  • Proof of company car
    Getting a multi-car discount is a great way to save money on car insurance. Verify to your insurance company car and the discount is all yours. Provide the company cars insurance documentation and you will be all set.
  • Proof of Membership
    Lots of insurance companies offer a membership discount. Depending on the insurance carrier is a member of a credit union or alumni can make you eligible for a discount. Ask your insurance company about a membership discount and provide proof of membership to be qualified.

Paperwork from your Car Insurance Carrier

Insurance companies not only require a lot of paperwork from you, but they also send you loads of it too. Some companies are offering paperless policies where everything is emailed. Whether the paperwork is mailed or emailed, it is important you know what the documents entail.

  • Car Insurance Policy
    Your car insurance policy provides you with the documentation of all the legal information regarding your coverage. Car insurance policies can be lengthy and difficult to understand.
  • Declaration Page
    The declaration page has all of your pertinent information listed in an easier to read format. The declaration page should be you go to paper when you have questions about your coverage and cost of insurance.
  • Proof of Insurance
    Keep your proof of insurance in a safe place. It is the only document which actually verifies the coverage on each individual vehicle. It will need to be provided to both the Secretary of State and the police when requested.
  • Bills
    If you have a car insurance policy, you will receive a bill. The payment plan you selected determines how frequently you receive the bill.
  • Updated Declaration Pages
    Anytime you make a change to your car insurance policy, paperwork will be sent to you verifying the change. Make a change near your insurance renewal and you will get double the paperwork. One set for the current term and one set for your renewal term. If you make changes frequently, plan on getting lots of paperwork from your insurance company.