Declarations record
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Free renewal review
Place the current declarations page beside the renewal offer. Record the policy design, identify changes and prepare a short written question list before you renew or shop.
No account · No upload · No saved worksheet data · No coverage recommendation
Renewal side-by-side check
A highlighted change is a prompt to verify the document, not a judgment about the policy.
Private renewal worksheet
Copy only the policy details needed for comparison. The tool flags changes; it does not decide whether a coverage or company is right for you.
No account, upload or save action: entries stay in this tab and clear when the page is refreshed. Do not enter names, policy numbers, VINs, addresses, driver-license numbers or payment information.
Declarations record
Declarations record
Renewal change check
A change is a question to resolve, not proof that the renewal is better or worse. Confirm each difference against the policy forms and written insurer explanation.
| Policy field | Current | Renewal | Review status |
|---|---|---|---|
| Policy term | — | — | Complete both |
| Total term premium | — | — | Complete both |
| Listed drivers | — | — | Complete both |
| Listed vehicles | — | — | Complete both |
| Liability limits | — | — | Complete both |
| UM/UIM selection | — | — | Complete both |
| PIP, MedPay or injury benefits | — | — | Complete both |
| Collision | — | — | Complete both |
| Comprehensive | — | — | Complete both |
| Rental reimbursement | — | — | Complete both |
| Forms and endorsements | — | — | Complete both |
| Discount or pricing conditions | — | — | Complete both |
| Payment schedule | — | — | Complete both |
Premium and driver or vehicle counts are compared as numbers; other entries ignore capitalization, spaces, dollar signs and commas. The tool cannot interpret policy language or determine whether differently worded forms provide equivalent coverage.
Review the renewal in four steps
The company and policy number may look familiar, but the new term can change drivers, vehicles, coverage, forms, price or billing. Check each one before accepting the renewal.
Check term dates, garaging information, listed drivers, vehicle year/make/model and any lender. Use the actual documents; do not rely on what you remember from the prior term.
Review liability limits, UM/UIM, first-party injury benefits, collision, comprehensive, rental and every deductible. Treat missing or differently worded entries as questions.
Identify new, removed or revised endorsements and discounts. Ask whether a displayed premium assumes telematics, a bundle, automatic payments or a particular payment plan.
After a correction or purchase, review the final declarations page and forms. Keep the renewal, written explanation and issued record together.
Compare the same length of coverage
A monthly bill can change because of the premium, payment count, fees or a larger first payment. Compare the full premium for the same policy term first, then review the payment schedule. The worksheet calculates only the change between the two term premiums you enter.
Price should be reviewed after the policy design. If a deductible, limit or optional benefit changed, ask for a revised renewal or quote on the same terms before using cost to rank alternatives.
Compare written proposals after the renewal review →Keep this cost record
When something is unclear
Ask the insurer or licensed agent to identify the exact entry, form or condition that changed and provide the explanation in writing. If the record is incorrect, request a corrected declarations page and review the replacement rather than relying on a phone summary.
Renewal is not nonrenewal
A renewal proposes another policy term. A nonrenewal says the insurer will not continue the policy after expiration. Cancellation ends coverage before the normal expiration date. Notice timing, permissible reasons and appeal or complaint options differ by state.
State-specific help
If the document is a cancellation or nonrenewal notice—or an explanation remains unresolved—check the notice itself and contact the insurance department for the policy state.
Check the sources
These sources explain common policy fields and review practices. The issued policy and the law of the policy state control the actual contract and notice rules.
Renewal questions about premium, deductibles, drivers, vehicles and coverage.
The policy fields summarized on a declarations page.
General policy, cancellation, nonrenewal and state-department context.
Policy-document review, comparison and written-correction practices.
Finding the regulator for state-specific questions or complaint options.
After the renewal review
Use the quote worksheet to compare returned proposals. A Show my rates request is optional and may be reviewed by a listed licensed partner when one is available.