The proof of insurance is the documentation from your insurer that shows that you have an active insurance policy that meets state requirements. It is used when you are stopped, have an accident, rent a vehicle, or ask you to show it in another way. The proof of insurance is usually an identification card, printed or electronic, provided by your insurer. If you need to show proof of car insurance to the Department of Motor Vehicles or your lender, you may need an insurance certificate.
This document contains information similar to that on a returns page, but omits specific details that third parties don't need, such as your car insurance premium. Call your old insurance company and find out if your coverage has expired and, if so, how long you have been without car insurance coverage. If you haven't made a payment recently, your insurance may not have been canceled yet. No, vehicle registration and car insurance are not the same thing, but they are related.
Showing proof of insurance that meets your state's minimum requirements is part of the BMV or DMV vehicle registration process. Additional steps include providing proof of ownership (car title), passing a vehicle inspection, and paying any fees. Many insurers, including Progressive, require that you add a spouse to your car insurance policy if you both live in the same household (unless your state gives you the option to exclude your spouse). Adding your spouse to your policy ensures that both of you are covered in the event of an accident.
If you and your spouse have a good driving record, a joint car insurance policy can save you money with lower premiums and a multi-car discount (if your insurer offers one). If you're looking for an overview of your home insurance coverage, your home insurance statements page is the place to go. The home insurance deductibles you chose when you took out homeowners insurance will be listed on the returns page. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident.
In many states, you have the option of excluding your spouse from your auto insurance policy, but some states only allow it for certain reasons, such as not having a license or already having a policy. While it's always good to have paper copies available as a backup, you can rest easy knowing that your digital insurance card is sufficient in case you need to show proof of insurance. The insurance policy statements page, also known as the description page, is the first page (or pages) of your auto or home insurance policy. Progressive and many other insurers offer multi-vehicle discounts for having multiple vehicles on a single policy.
Request a car insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure you and your spouse. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. Make your payment as soon as possible, as the grace period for car insurance may vary depending on your insurer. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.
It's a good idea to always carry a physical insurance card in the vehicle to show to law enforcement if you are stopped, although you can also present a digital insurance card in most states...