How do I figure out who my former car insurance company was?

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Joel Ohman
Founder, CFP®

UPDATED: Nov 2, 2016

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Here's what you need to know...
  • You should start your search by searching your home for records of your previous insurer
  • Your state DMV should have a record of who you had car insurance through
  • Doing an email search is another good way to find who your former provider was

If you need to find out the name of your former car insurance company and your policy number, there are ways to find out this important information.

A diligent search of your home records can reveal it, but if that fails, your state Department of Motor Vehicles may be able to help.

Follow these steps to dig up that data and then be sure to enter your zip code above to compare car insurance from many different companies!

Check Your Records

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It may take some digging, but you can start searching for your former insurance company by looking through your old records. You may have a copy of your policy or an old insurance card available.

Don’t confine your search to just looking for the policy itself. Look through your papers for copies of letters either sent to or received from the insurance company. You can also use the search function in your e-mail program to try to locate any reference to the policy.

Since can’t remember who you were dealing with, you can look for words that might reveal this information. Conduct a search for words like:

  • “Car insurance”
  • “Your policy”
  • “Insurance coverage”
  • “Agent”
  • “Independent agent”
  • “Insurance agent”

Go Over Bank Statements

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Another place you can get some much-needed clues to about which insurance company you were dealing with before is to go through your bank records.

If you get paper statements, sit down and go through them carefully to look for records of withdrawals to pay for insurance coverage. Online statements will reveal the same information, plus you will have input contact information if you paid them electronically.

You should also go through your canceled checks for the time you knew you had car insurance coverage in place but aren’t clear about who the insurance provider was.

You may have paid for six months or more at a time. If so, the canceled checks can provide you with the name of the insurance company. They may also reveal the policy number if you added this information onto the check.

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Contact the Department of Motor Vehicles

If a diligent search of your personal records doesn’t provide you with the information you need to determine which car insurance company covered you in the past, then another option is to get in touch with the Department of Motor Vehicles (DMV).

The DMV in your state should have a record of which insurance company provided coverage for you.

You will be asked to provide the Vehicle Identification Number (VIN) when you make the call to the DMV. Their records are attached to the vehicle, not necessarily to the registered owner or the driver.

Once you have the name of the company, you can either look in the phone book or conduct an online search for its contact information. Looking up the insurance company online is probably the quicker and more efficient way to go.

Once you find the insurer’s website, look for the contact page. It should have the company’s toll-free number or an online form you can fill out.

If you want to find out right away whether the company has all the information it needs to pull your previous car insurance records, you may be better off calling to talk to a customer service representative.

When you do so, be prepared to provide as much information as you can about the policy. The insurance company representative will need to know:

  • Your name
  • Your address
  • Your car’s VIN
  • Your policy number

Ask the insurance company representative to send you a copy of the records they have on file pertaining to your policy. This can include a copy of the policy itself, as well as any correspondence about your insurance coverage.

When you receive it, check the documentation carefully to confirm that your name and address are correct and that the materials you have received correspond to the right VIN. Then you can look to confirm the type and level of coverage you had through the insurance company.

Comparing Car Insurance Rates

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If you are thinking about making a change in your coverage after you find out your former insurance company, consider looking at multiple quotes to get the best combination of good coverage terms and affordable rates.

Shopping around for quality car insurance coverage doesn’t have to be a long process. The free insurance quote tool on this page can give you the information you need to make the right choice. Click here to get started!

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