Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 12, 2021

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Key takeaways...

  • There are ways to research your current and past car insurance companies if you cannot remember who has your policy
  • Your old insurance cards can tell you your insurance company and policy number
  • The best place to start the search is in your car’s glove box and/or your purse or wallet
  • If you find out that you do not have car insurance, you can use a comparison tool to swiftly locate and purchase a new policy

Occasionally, you may have the need to research your previous car insurance company or provide information on your current auto insurance company, and you may not remember which of the many car insurance companies you’re insured with. If you rarely get pulled over and have never been in an accident, it’s easy to forget where you put it. Unfortunately, if you get pulled over without insurance, even once, you could face serious legal and financial consequences.

Thankfully, there are steps you can take to find out who you insured your car with. If it turns out that you need a new auto insurance policy, you can quickly purchase a new one with help from an auto insurance comparison tool.

Our online car insurance tool helps by decreasing the time it takes for you to find a new, affordable policy and purchase that new policy. Enter your zip code right here to get started comparing car insurance quotes.

What do I do if I forgot my car insurance company name?

I forgot my car insurance company, and I need to know it. What do I do if I forgot who I am insured with for car coverage? As a car owner or car buyer, you have many reasons to want to research a vehicle’s car insurance records. This typically becomes urgent if you’ve been involved in an accident or have been pulled over.

There are many reasons you might need to know who insures your car:

  • Forgot Your Insurance Company and Just Want to Know – It’s not uncommon for car owners to forget the company that holds their insurance policy, especially if you purchased your policy online and paid the entire premium up-front. You can wait until your renewal documents come, but it’s ideal to have it on hand whenever you need it.
  • Need to Research a Car – If you plan on buying a new car, getting a car report and researching the car insurance can tell you if the vehicle has ever had any major repairs performed or if the title has ever been branded. Many insurance companies allow members to run quotes based on their current coverage with a different car, different liability limits, etc. Of course, you can get quotes from any company and have the quotes sent to an email address. It’s sometimes more convenient working with a company who already has your driving record.
  • You Think You May Have Had an Insurance Gap – Gaps or lapses in your car insurance can negatively affect the prices you pay for your future premiums. If you’re in an accident without insurance, it could also cost you thousands in losses (and the loss of your license). If you think you’ve had a past lapse or you think you have a current lapse, it’s best to find out quickly so that you can purchase a new policy.

Here are some ways to find out who insures your car.

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Where Should You Look for Your Proof of Insurance?

Where should the current proof of insurance card be? Most people are sure to say the glove compartment. Hopefully, the insurance card rests next to the current vehicle registration card. These are the two items a police officer asks for upon pulling a vehicle over.

Learning the name of the insurance company might require nothing more than checking the glove compartment for a new or old insurance card. If there aren’t any cards in the glove compartment, procure a new one and put the document in its proper place as soon as possible.

When no card is present, other steps need to be taken to figure out who the insurance provider is. The steps aren’t too difficult, thankfully. If you got your quote online, you may have emails from the company. If you went paperless, this may be the only source.

Likewise, you may have your login information saved on their site. This makes it easy to download an app with many companies and login on your phone to get policy documents like your card.

Research Car Insurance Payments

In order for an auto insurance policy to be active, the policy must be paid. Most people pay either by check or with a credit/debit card. Some might employ an electronic funds transfer from their bank.

Regardless of the payment method employed, records and documents should exist. A little research with preferred financial institutions could reveal all.

  • check credit card statements
  • look for receipts
  • contact your bank
  • ask your lender

Each time a charge is made, credit card statements list specific information about the dates, amounts, and payees. Thanks to the internet, several years of past statements can usually be accessed through a private online account.

Calling the credit card company or companies customer service number could be worthwhile if the statements don’t show anything. The customer service department(s) may help with launching a lengthier search.

Going through old check books for receipts for payments made to insurance companies reflects simple detective work capable of revealing the insurance provider. Contacting the bank about electronic funds transfers would be another option.

Financial institutions house a lot of information. Lenders, in particular, might keep a lot of details in a borrower’s file.

Cars still being financed through a bank or other lender present another research avenue. The lender probably has information regarding the identity of the insurance company. After all, the lender wants to be sure the car is covered in case an accident occurs.

Call the DMV

A call to the state Department of Motor Vehicles (DMV) might yield information regarding the name of the provider. Each and every DMV operates in a different manner. The state of California, for example, makes researching insurance status extremely easy.

A simple online inquiry is all that is necessary.

A call to the DMV should be a toll-free affair. Nothing other than a small amount of time needs to be invested in seeing if the local office can help.

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Steps to Take to Find Your Current or Old Car Insurance Carrier

Even if you’ve forgotten who holds your car insurance policy, you can still find out that information with a little detective work.

  • Try to Locate Your Old Insurance Cards – Check your purse, wallet, junk drawer and the glove box of your vehicle for your old insurance cards. Your old insurance cards will list the name of the carrier, your policy number, and the VIN number of your vehicle along with additional information.
  • Make a List of All Your Insurance Carriers – Who have you had car insurance within the past? Make a list of all your previous car insurance companies and call them. One of them may hold your current insurance policy, or they may be able to help you find your current policy.
  • Check Your Bank Account or Credit Card Statements – If you paid for your car insurance via a bank card or credit card or have your premiums automatically drafted monthly, check your statements. Your bank or credit card statement should list the name of the insurance carrier and the amount drafted.
  • Contact Your Local DMV – Since all drivers are required to carry car insurance, your local DMV may have information on your current car insurance carrier.
  • Contact Your Car Loan Provider – If you have a car loan, your financial institution will require you to carry full coverage car insurance, and they should have the name of the insurance company where your car is insured.

Locate and Purchase a New Car Insurance Policy

Even if you find your old paperwork and current insurance carrier, it can pay to search and review new policies from other insurance companies.

Different car insurance carrier and a different car insurance policy may be more affordable and offer better coverage than your current policy, especially if all you have is basic car insurance.

To get started, you should use a car insurance comparison tool which will save you time by taking your information and scouring the auto insurance carriers in your area for policies that match your needs.

Once you find a car insurance policy that covers everything you need it to cover, you can purchase the policy directly online.

Once you purchase it, print all the documentation and your temporary insurance cards and put them in a safe place so that you do not lose the information.

By keeping the information in an accessible, known place, you will always have it available when you need to review your policy or if you need to know when to renew your car insurance.

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  • Suffering a memory lapse and forgetting the name of an insurance company can be stressful but still easy to deal with
  • Take a number of deliberative steps for discovering the insurance company’s name and do so without delay
  • Any discoveries about a lapse in auto insurance coverage must also be addressed immediately
  • Drivers should take the opportunity to perform comparison shopping for a new policy after forgetting the name of the current provider

Car insurance customers can and do forget what particular company sold them an auto insurance policy. While forgetting the name of the company is serious, fairly undemanding steps might all that is necessary to figure out who the insurer is.

Compare car insurance quotes to make sure you’re not overpaying for the coverage you need.A sharp memory is a good thing. Recalling specific facts, details, and events without having to look things up can make life a lot easier at times. Unfortunately, due to any number of reasons, a person’s memory might not always be sharp.

The inability to recall minor, unimportant details might not be too big of a deal in many situations. The inability to recall the name of an auto insurance provider, however, could prove incredibly problematic.

A person who causes an accident will surely be asked who his/her insurance provider is. If no insurance cards are present in a vehicle’s glove compartment, then recalling from memory seems to be the only option.

Not being able to recall the name of the insurance provider by memory makes a complicated situation even more difficult.

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Has your car insurance lapsed?

Forgetting about the name of the insurance company might accompany forgetting to pay or renew an auto insurance company. The end result of this would be the cancellation of the insurance policy.

Things could become utterly disastrous for those who allow an insurance policy to lapse.

For one, no protections exist against any liabilities committed by a negligent driver. If the driver causes an accident and no insurance is in place, the driver is personally liable and responsible for any judgments.

Judgments in the range of several hundreds of thousands of dollars are possible.

The need to get the best insurance coverage in place is one thing that motivates people to perform consistent comparison shopping for quality insurance. The best policy provides the best coverage. No policy means no coverage.

No coverage also presents legal risks. Depending upon the state in which the driver lives, the penalties for driving without insurance might be significant.

  • Many states may only levy a fine
  • Some states do come with the potential for jail time
  • You may receive misdemeanor conviction on your permanent record

Anyone who can’t remember whether insurance is in place really needs to confirm that information without delay. The repercussions of driving without insurance could be life-altering.

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Time to Buy New Insurance

Maybe some good can come out of not remembering the particulars about an auto insurance company. All the scrambling required to figure out the name of the company might lead to questioning whether or not the company is worth retaining.

Finding a new insurance company probably won’t be too difficult.

The aforementioned process of comparison shopping delivers a smooth way to do so.

Maybe the new policy turns out to be far superior to the old forgotten one. Get quotes right now and make sure you are covered.

Avoiding the Same Mistake in the Future

Forgetting the name of an insurance company can happen more than once. Rather than once again going through a host of frenzied steps to find out the name, employ the following actions to make things a bit easier:

Provide a Copy of Your Insurance Documents to Someone You Trust

Hand a copy of correspondence from the insurance company to a trusted immediate relative. Ask a family lawyer or accountant to keep in insurance contracts in a client file. This way, finding out the information requires little more than making a simple phone call.

Request Email Correspondence from Your Insurance Company

Insurance companies want customers to request email newsletters and promotional documents. Sign up for these and save anything the company emails. Create an email folder labeled “insurance.” Add the name of the insurance company to the folder as an extra measure.

Tape Promotional Flyers to the Refrigerator

Does the insurance company send flyers and postcards out in the mail every so often? If so, tape the flyers to the door of the refrigerator. Then, every time you see your refrigerator, you’ll be reminded of your auto insurance provider

Keep An Old Insurance Card on Your Dashboard

Throwing out the old documents might be self-defeating when memory issues arise. Keep expired insurance documents and tape them in a very visually obviously place in the vehicle.

Some of these steps may seem really easy — and they are. The steps also help address the unfortunate instance of forgetting the name of an insurance company and do so with much stress or worry.

Compare car insurance quotes today to find the best deal for the coverage you need. Enter your zip code below to get started.

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References:

  1. https://www.dmv.ca.gov/portal/dmv/?1dmy&urile=wcm:path:/dmv_content_en/dmv/online/vrir/vr_sb1500