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Auto Insurance
Policy Declarations

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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.

Sample Auto Insurance Policy Declaration.
  • Vehicles covered

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

  • Total premium

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

  • Discounts

    Discounts you have are listed in this area.

  • 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.

  • Drivers listed on your policy

    Shows drivers listed on the policy.

Sample Auto Insurance Policy Declaration.
  • Coverage

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

  • Limits

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

  • Deductibles

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

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Personal Information
Name, Date of Birth, Address
Vehicle Information
Year, Make & Model or VIN*
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Related resources

This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2019 Allstate Insurance Company, Northbrook, IL.

Please note that this website provides only a summary of auto insurance, written to illustrate in general terms how auto insurance works. Your insurance policy is the legal contract that contains the terms and limitations of your coverage. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy.

Allstate Your Choice Auto®, Accident Forgiveness, Deductible Rewards®, Safe Driving Bonus® Check, and New Car Replacement are optional and subject to terms and conditions. NOT AVAILABLE IN EVERY STATE. Patent pending. Deductible Rewards apply to collision coverage. In NY and PA, deductible amount will not go below $100. Safe Driving Bonus Check is not available in every state and may not be available for renewal customers until next policy period. Amounts less than $5 will be applied to renewal bill. Safe Driving Bonus is optional and subject to terms and conditions. Policy issuance is subject to qualifications.

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.
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