Evaluate your existing policies
Now that you have educated yourself about the different facets of automobile insurance, and determined your unique needs, it is time to evaluate your existing policy. Remember that in the first step you located your policy and hopefully put it together with all of your insurance policies in one place where you and at least one other person can find them. In this step, you will examine the policy you have for the specific types and amounts of coverage that you determined you need during the last step.
Get your policy out and read through it to make sure that you understand it. Take your time because they don't make them easy to understand. Basically, there will be a policy guide, and lots of extra sheets that address amendments and specific provisions of your coverage. What you want to locate is the "Personal Auto Policy Declarations" or simply the Declarations sheet. This page will list your policy number, when it was issued, the policy period, and then it will provide a Schedule of Coverages for each of your insured vehicles. Review this sheet carefully and make sure that you understand it. If you don't, you might need to reread the educational step, or you might even find the terms in the policy guide.
Once you understand the specific provisions of your insurance policy, compare them to your unique needs. Note the changes that you want or need to make for the next step. Make detailed notes to remind you of precisely what you want and why you want the changes. Then it is time for the next step.
Step 5 - Make the Necessary Changes