Use the declarations page as your map
The California Department of Insurance calls the declarations page a useful policy summary. It typically identifies the insured vehicles, policy period, limits, deductibles, and coverages. Compare the same information across quotes before drawing conclusions from a premium alone.
Questions to ask about protection
Liability coverage addresses certain harm you may cause to others, subject to the policy terms and limits. Collision and comprehensive coverage address different forms of vehicle damage. Uninsured and underinsured motorist coverage can be offered with its own terms and limits.
- Which people are listed, excluded, or regularly using the vehicle?
- Which deductibles apply to collision and comprehensive losses?
- Does the policy include rental reimbursement, roadside assistance, or other optional coverages?
- Have vehicle use, annual mileage, garaging address, or household drivers changed?
After an accident
Prioritize safety and follow any legal reporting requirements. Exchange information, document the scene when safe, and report the claim according to your policy’s instructions. California Department of Insurance guidance explains what to expect after an accident and why it helps to understand the policy before a claim.
Common questions
Clear answers start with the policy.
What do the numbers on an auto policy mean?
Liability limits are often displayed as separate maximum amounts for bodily injury and property damage. The declarations page and policy define the limits that apply.
Should I compare only the premium?
No. Compare limits, deductibles, exclusions, vehicle valuation terms, listed drivers, and optional coverage alongside the premium.