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Auto Policy Changes

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What information do I need to add or change a vehicle on my policy?

  • The Vehicle Identification (VIN) Number. This number is found on the bottom corner of the windshield right in front of the steering wheel or on your registration document.
  • If the vehicle has safety features such as airbags or an anti-theft alarm system, we will ask to confirm the type of anti-theft system and how it is activated (e.g., automatically when the door closes or via a keychain) and how many airbags it has (e.g., front and side impact, front airbags only, etc).
  • If the vehicle will be used for commuting purposes, we will ask how many miles your home is from your workplace. If the vehicle will not be driven for commuting, we will ask how many miles you believe you will drive annually (e.g., most drivers average 10,000 to 12,000 miles per year).
  • If the vehicle is leased or financed, we will also ask for the name and address of the financial institution so that we can send them proof of insurance.

What information do I need to delete a vehicle from my policy?

  • The Vehicle Identification (VIN) number.
  • The date that the vehicle is to be removed from the policy.
  • You may need to return license plates to the Department of Motor Vehicles prior to removing coverage from a vehicle. We will advise you of any state requirements or forms needed to insure that there are no lapses in coverage.

What information do I need to add a driver to my policy?

  • The driver's name as it appears on their drivers license
  • The driver's license number and the state where it was issued
  • Date of Birth
  • The date that the driver first received their license
  • Did the driver take driver's training? Some states offer a discount for the successful completion of a Driver's Training Course for newly licensed operators. We will be happy to review your policy to determine if the discount is available for you.
  • Which vehicle the new operator will primarily drive
  • We will ask how many miles the driver drives to their workplace. If the vehicle will not be driven for commuting, we will ask how many miles the driver will drive annually (e.g., most drivers average 10,000 to 12,000 miles per year).
  • Highest level of education - if the operator is still in school, we will ask for their grade point average to determine if they qualify for our good student discount.

What information do I need to delete a driver from the policy?

  • If the driver is deceased, and the person requesting to remove the driver from the policy is not a named insured, we will request either a copy of the trust, proof of estate or updated vehicle registration to show that ownership of the vehicle has transferred to someone other than the operator.
  • If the driver has obtained other insurance, we will need to know the date that their insurance started on their new policy.
  • If the driver is being removed due to a divorce situation, we will need to know the new residential address and date of new insurance for the operator prior to removing coverage.