I Can’t Remember My Car Insurance Company

Can't remember your car insurance company? Forgetting your car insurance provider can prevent you from filing claims. Check your insurance cards, bank statements, and more to find your insurance company.

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UPDATED: Jun 14, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 14, 2022Fact Checked

Here's what you need to know...

  • Forgetting your insurance company could prevent you from filing a claim
  • If you forget who your auto insurance provider is, check your insurance cards, financial records, and emails
  • Download your insurance company’s app and bundle coverage to make it easy to remember

With all the different accounts you have to keep track of, it’s understandable if you forget who your car insurance company is. It can get lost in the mix, especially if you rarely file claims. However, you need your current car insurance information to provide proof of insurance and file future claims.

Take a look at some ways you can figure out who your auto insurance provider is and how to avoid forgetting in the future. If you’re searching for affordable car insurance, try entering your ZIP code into our free online quote tool above.

Where should I look for my car insurance information?

There are many places you can check for your car insurance information. If one doesn’t apply to you, try one of the others.

Your Insurance Card

This is the first place you should look. When you purchase auto coverage or renew your policy, your insurance company may mail you a physical copy of your insurance card. This card also includes your VIN, your coverage expiration date, and your company’s contact information.

Most people keep a copy of their insurance card in their car for safekeeping. This way, you can easily provide proof of insurance. If you get pulled over or into an accident but are unable to provide proof of insurance, you could face serious penalties, including:

  • Fines
  • License suspension or revocation
  • Car impoundment
  • Jail time

If you’re at fault for an accident, the third party could even sue you. Check your car for your insurance card to avoid these risks. People commonly put their cards in their gloveboxes or sun visors.

Your Financial Records

To have coverage, you have to pay for it. Some people make an upfront payment for a six-month or annual policy, but most pay for auto insurance coverage with monthly payments. This makes it easy to track.

If you think you set up autopay, check your bank accounts and credit card statements for any recurring monthly payments. Certain financial institutions allow you to search for keywords on their apps. For example, try typing in “insurance” to find different insurance payments.

If you can’t find anything on your ledgers, contact your bank. They may be able to find the insurance company name and payment amounts, but you’ll have to call your auto insurance provider for details like your policy number and your coverage limits.

Your Lienholder

If you’re still paying off your auto loan or are leasing your car, contact your lienholder for your insurance information. Most lienholders will require you to have a full coverage auto insurance policy to protect the vehicle, so they’ll have detailed information on your auto insurance. You might be able to check via an Esurance lienholder portal if your lender offers that.

The Department of Motor Vehicles

Almost every state requires drivers to have a basic auto insurance policy, so you can check in with your local DMV for information. Sometimes, you can fill out an online inquiry form and have the information emailed to you. Otherwise, you might have to call.

Your CLUE Report

LexisNexis is a reporting agency that can create Comprehensive Loss Underwriting Exchange reports. These reports hold up to seven years of claims. Request your free report to get your insurance company’s information as well as your claims history. Unfortunately, this will only work if you know you’ve filed a claim with your auto insurance company within the past seven years.

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Why is it important to remember my insurance company?

If you forget your insurance company, the biggest concern is that you can’t file a claim or report an accident to your insurer. Many auto companies require you to report accidents within a certain time frame, with most maxing out at 30 days. Otherwise, your insurer could deny your claim.

You also need to know who your insurer is if you need to make adjustments to your coverage. You might need to change coverage if you:

  • Move out of state
  • Get a new car
  • Want to rent a car
  • Become a delivery driver

You might even be paying for more coverage than you need. Knowing who your insurer is can help you keep track of what you’re paying for. You can read up on different auto insurance rates for various professions. To learn more about the best car insurance for delivery drivers, consider our article here.

Plus, if you forget, your coverage may lapse. Most people set up autopay and autorenewal, but if you’re caught driving with expired auto insurance, you could face fines, license suspension or revocation, or jail time.

What can I do to prevent forgetting my insurance company again?

Once you figure out who your insurance company is, you can take precautions in case you forget it again.

Make Copies of Your Insurance Card

Keep one copy of your auto insurance card in your car, one in your wallet, and one at home. You can keep a photo on your phone, too, so that it’s always easily accessible.

When it’s time to renew your policy, make sure you replace all the old cards with the new ones. Some insurance companies might need you to print out your insurance cards, so set reminders before your expiration date.

Download Your Insurer’s App

Mobile apps make it easy for smartphone users to keep track of their policy information. Nearly all major insurance companies have apps. Some of the top-rated ones include USAA, State Farm, GEICO, Allstate, and Progressive.

Save Your Emails

If you save all your emails from your insurance company to a specific mailbox in your email, you can reference them easily. You can transfer emails to the new mailbox or have your email client automatically forward emails from your insurer to that mailbox. Set up paperless billing to get your billing statements to your email, too.

Bundle Your Coverage

Bundling your coverage is the best way to stay on top of your insurance. If you have life insurance, homeowners insurance, renters insurance, or more, purchasing them under one company can save you time and money. Most companies offer a multiple policy discount of up to 30%.

I Can’t Remember My Car Insurance Company: The Final Word

You’ll need to know who your auto insurance company is whenever you need to file a claim or provide proof of insurance. Any of the tips in this guide should help you figure out who your insurer is and how to make sure you don’t forget again.

To search for affordable auto insurance rates today, just enter your ZIP code into our free online quote tool below.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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