Map the household
List licensed household members and who regularly drives each vehicle. Think about young drivers, occasional drivers and anyone with regular access.
A practical checklist for reviewing auto insurance.
Use these questions to organize the information you may want before comparing policy options.
Describe each vehicle
Record year, make, model, ownership or financing status, primary use, approximate annual mileage and where the vehicle is usually garaged.
Choose comparison limits
Decide which liability limits you want to use as your baseline. Keep those limits consistent when comparing information.
Stress-test deductibles
Ask what you could comfortably pay on short notice after a covered loss. Compare that amount with collision and comprehensive deductible options.
Review optional needs
Would losing access to your vehicle create a transportation problem? Do you already have roadside assistance elsewhere? Avoid paying for duplicate benefits without realizing it.
Read beyond the summary
Coverage names are shorthand. Actual policy language, definitions, exclusions, limits and endorsements control what a policy provides.