Verification of Car Insurance: How To Check To Make Sure You Have Car Insurance

If you need verification of car insurance, you should contact your car insurance company. Or with top car insurance companies, you may be able to check the status of car insurance online. You may also be able to verify car insurance by looking for your insurance card in your vehicle. After verifying car insurance coverage, make sure you are carrying the minimum requirements in your area.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Check online or call your insurance agent to determine if you have a car insurance policy
  • Review your state’s rules and regulations to make sure your policy meets the minimum requirements of your location
  • Use a comparison tool to find a policy that better meets your needs so that you can drive legally


All drivers on the road know that if they do not carry car insurance, they cannot drive legally. As a responsible car owner, you have probably shopped for car insurance, purchased a policy and are now driving to and from work and running errands.

But are you insured, according to your state’s laws and regulations? Is your policy active and valid? It’s never too late to get started.

Compare affordable car insurance quotes now! Enter your zip code into our FREE comparison tool above!

Is your policy active and valid?

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If you have been paying your car insurance policy on time, it is probably active and valid. H

However, if you have missed a few payments or been late, you may want to call your insurance company or sign into your online account to review your insurance policy and make sure it is still active.

While insurance companies are required to give you notice if they plan to cancel, change or further alter your policy, you may have missed the letter.

If so, determine that your policy is not active or has been canceled, it is in your best interest to find a new policy quickly by using a comparison tool to shop for car insurance and purchase a new policy.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Does your policy meet your state’s rules and regulations?

Every state requires a minimum amount of insurance to drive legally.

These are known as state minimum car insurance policies, and they only pay for the other driver’s property damage and injuries as well as the injuries to any passengers in the other vehicle.

They do not pay for your car accident related damages, and the coverage stops once the maximum payout amounts have been reached.

These types of policy limits are often listed as 10/20/5 where the first number indicates the amount paid for one person’s injuries.

The second number is the amount paid for multiple people’s injuries, and the last number refers to the amount of property damage.

Examples:

  • California – 15/30/5
  • Florida – 10/10, Florida has no required amounts for property damage
  • Indiana – 25/50/10/50, Indiana requires under and uninsured motorists coverage
  • New York – 25/50/10, New York also requires insurance for deaths caused by accidents, up to $50,000 for one person and $100,000 for multiple people
  • Washington – 25/50/10

If you find out that you are not carrying the minimum insurance requirements for your state, it is in your best interest to quickly find a new policy by using a comparison tool.

Policies that are at or below state minimums may not adequately protect you if you are involved in an auto accident.

Have you given your insurance company any reason to cancel you?

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Several factors can influence your insurance company’s decision to cancel your policy, and you may or may not be able to reinstate your policy after you receive the cancellation letter.

Since each state determines how, why and when car insurance policies can be canceled, it is up to you to research the laws and regulations in your state.

For example, Illinois lists several reasons auto insurance carriers can cancel policies:

  • Non-payment – Non-payment is the most common reason insurance policies are canceled
  • You are within the initial assessment period – Illinois gives insurance companies 60 days to decide if they want to continue to insure you
  • You lied or committed fraud on your application – Not being truthful when you apply for coverage can result in your policy being immediately terminated
  • Filing false claims – You incurred no damage or lied about the amount of damage caused
  • Invalid driver’s license – Your license was suspended or revoked during the policy period

If you encounter any of these policy canceling situations, you can quickly get a new policy you can afford by using a comparison tool to identify quickly policies that meet your needs and purchase that policy online.

Can you continue to afford your current policy?

If you find that you cannot afford your current policy, there are things you can do to lower your monthly premium.

If you have full coverage car insurance that includes comprehensive and collision insurance, you can raise your deductible.

If you find that the above options are still too expensive for your budget, or you want better coverage at a lower price, you can quickly research new policies by using a comparison tool.

An insurance comparison tool takes your driving history and needs and compares them to available policies.

Use our FREE car insurance comparison tool. Enter your zip code to get started now!

References:

  1. http://money.usnews.com/money/personal-finance/articles/2013/09/18/do-you-have-the-right-car-insurance
  2. http://carinsurance.about.com/od/PolicyFundamentals/a/How-Do-I-Find-Out-If-I-Have-Car-Insurance.htm
  3. https://www.dmv.ca.gov/portal/dmv/detail/pubs/brochures/fast_facts/ffvr18
  4. https://www.in.gov/idoi/2579.htm
  5. https://dmv.ny.gov/insurance/insurance-requirements

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