Learn about this important policy document

An Auto Insurance Policy Declarations summarizes your policy and the coverages, limits and deductibles you've chosen to purchase. It can also list the insured vehicles, insured drivers and dates your policy is effective as well as any discounts you received.

You'll receive a new Declarations every renewal period, which is normally every six months.

How to read your auto insurance policy declarations

See where you can find important information from the sample Declarations below.

Auto insurance policy declarations 
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Vehicles covered

This is where you'll find the vehicle or vehicles insured on this policy.

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Total premium

Each vehicle you insure has its own premium amount. This total is for all the listed vehicles for the policy period.

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Discounts

Discounts you have are listed in this area.

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Policy period

When you pay your premium by the due date, your policy automatically continues — unless it is non-renewed — for the time period shown, usually six months.

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Drivers listed on your policy

Shows drivers listed on the policy.

Auto insurance policy declarations page 2 
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Coverage

If you have more than one car, the coverage types will be listed on separate pages for each vehicle.

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Limits

This shows the maximum limit Allstate will pay for each covered accident, for each type of coverage.

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Deductibles

This shows how much you will pay out of pocket for damage to your vehicle for each covered accident.

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