How do I find out who my previous car insurance was with?

Not everyone who owns a car keeps their auto insurance with the same company for their entire life. While there are consumers in the marketplace that are extremely loyal to their insurance company, a majority of people who choose not to shop around are overpaying by an average of $368 per year.

This is why it’s crucial that you price insurance premiums and switch carriers when you’re able to save money.

When you switch carriers either to save money, it’s in your best interest to hold onto all of your old documents for more than just a few months. Some states will audit you and other times you need to show proof of continuous coverage to insurers.

Enter your zip code above for car insurance rates from multiple companies! If you don’t remember where you bought insurance, use this guide to learn where and how to find that information.

Keep Your Insurance Documents For At Least Three Years

One way to avoid having to be a detective to find out where you were previously insured is to keep your old documents either saved in the cloud electronically or filed away in your filing cabinet.

Some insurance experts say that you can discard old documents after the term is up, but it’s better to be safe and keep your documents for at least one to two years.

If you save a copy of your old declarations page, you’ll have the company name and your old policy number.

Since you can easily access the documents, you can always show the state that you’ve maintained constant coverage that’s required by law.

Some of the time, the DMV will audit you months or years after they believe you’ve had a lapse. If you can’t show that you were really covered, the state can suspend your tags.

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Why else might you need to know about your former auto insurance company?

Being audited by the DMV isn’t the only reason that you need to keep your old documents.

Having your declarations pages on file could help you save money on future premiums. Many auto insurance providers give their customers a continuous insurance discount if they can show that they haven’t had any lapses in coverage. If you do have a gap in coverage, this could lead to an insurance rate increase.

Being organized can really pay off in the future.

Most states require drivers to have liability insurance coverage at the least, so any lapse of insurance indicates you may have broken the law.

If you get into an accident or you’re pulled over by a police officer and you don’t have valid insurance, it could result in a driver license and vehicle registration suspension and additional penalties like expensive fees.

If you’re involved in an uninsured accident, the other driver could even take legal action against you.

How do you order a C.L.U.E. report to find old insurance information?

Another option to locate previous car insurance information is to order your Claims Loss Underwriting Exchange report through LexisNexis. When you’re buying insurance, the new carrier will order this C.L.U.E. report to look for chargeable claims in your driving history.

Not only does the report show if you’ve had at-fault losses, it also shows the carrier you were insured with and what your policy number was at the time.

Since the report contains your own personal information, you’re entitled to order the report or request that the insurer send you a copy of the report they’ve ordered. If you order the report on your own, you may have to pay a fee.

To get your C.L.U.E. report, simply visit the LexisNexis website and fill out the application form. You can submit the form online or fill it out and send it through the mail.

When you receive your copy of the report, review the information it contains for accuracy. If you find something on the report that isn’t correct, you should contact the Customer Service team at LexisNexis by calling (888) 497-0011. Let them know what specific item(s) is incorrect and why. They will walk you through the process of correcting any inaccuracies.

Contact the State to Find Out Which Insurance Companies Have Reported Coverage on Your Car

Almost all states have mandatory auto insurance requirements. Since you have to comply with the law when you own a car, the state often verifies that residents are complying with mandatory laws.

Some states have electronic verification programs in place where all insurers must electronically send proof of coverage in real time. Others do random audits.

Since the Department of Transportation in the state keeps insurance information in each registration record, you may be able to call the DMV and ask for previous insurance information.

You may need to provide the car’s VIN and the license plate number to verify that you’re the vehicle owner. Some states also have online systems where you can check insurance information.

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How do you find the most affordable auto insurance coverage?

You have the right to buy insurance that you can afford. That’s why you should always shop around to find low rates on a broad auto insurance policy. If you don’t shop around, you could be stuck paying inflated rates for less coverage.

Shopping around doesn’t have to take up all of your free time. If you want a more convenient option to compare insurance, use a brokerage-style online quote comparison tool.

With this type of tool, you can plug in your zip code and your vehicle information to get instant quotes that could save you 20% or more.

Enter your zip code below to compare car insurance rates from top companies in your area!

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