What do I need to get an insurance quote?

The basics are names, dates of birth, addresses, driver's licenses and vehicles. Your current declarations page fills in most of the rest, including your coverages, limits and deductibles.

Does "better quote" mean cheaper?

It means accurate and comparable. A quote built from your dec page matches what you have now, so you can see the real difference in price and coverage, whichever way it goes.

Where do I find my declarations page?

Usually in your insurer's app or website under documents, or attached to your last renewal email. Here's where to look .

What if I can't find it?

You can still get a quote. An insurance card or driver's license helps with the basics, and you can enter the rest yourself.

Why your declarations page gets you a better quote — From Elona’s desk

Your declarations page shows exactly what you have today: every coverage and limit, your deductibles, your drivers and vehicles, and the discounts already on your policy. When a quote starts from it, the new price is built on the same coverage, so you’re comparing like for like instead of comparing a guess.

That’s why the first thing my quote page asks for is your dec page. Here’s what it does for your quote, and what “better” really means.

What “better” means here

It doesn’t mean a promise of a lower price. It means a quote that’s accurate and comparable.

Accurate, because it’s built on your real drivers, vehicles and coverage, not on what you remember at the end of a long day. Comparable, because it matches your current policy line for line. Then the difference you see in price is real, whichever way it goes.

The Illinois Department of Insurance gives the same advice to anyone shopping: compare quotes with the same coverages and limits. Your dec page is the easiest way to do that.

What your dec page tells me

Your coverages and limits. Liability, uninsured motorist, collision, comprehensive, personal injury protection in Florida; dwelling, belongings and liability on a home policy. Each with its number.
Your deductibles. Including a separate hurricane deductible on a Florida home policy.
Your drivers and vehicles. Who’s listed, which cars, and their VINs.
Your discounts. The ones you’ve already earned, so they get asked about on the new quote too.
Your endorsements. The extras you added, like rental reimbursement or water backup, that a quick quote can easily leave out.
Your policy dates. So a new policy can start the day the old one ends, with no gap.

Why guessing costs you

Most people don’t know their limits off the top of their head, and that’s normal. But a quote built on guesses can go wrong in two ways:

It looks cheaper because it’s thinner. A lower limit or a missing coverage makes the price look better than it is. You only find out at claim time.
It changes later. Florida’s Department of Financial Services points out that a quote is an estimate, and the company can change the price once it reviews the application. Starting from your real policy means fewer surprises between the quote and the bill.

And accuracy matters for more than price. Incorrect information on an application, even an honest mistake, can lead to a policy being rescinded or a claim denied later. Your dec page helps get it right the first time.

How it works on my quote page

On the quote page, the first step asks for your current policy:

Your declarations page is the best option. A PDF, a photo or a screenshot is fine.
No dec page handy? Your insurance card or driver’s license is enough to get started.
You stay in control. You can check, correct and add anything missing, or enter the details yourself instead.

Can’t find it? Here’s where it hides for most companies.

Good to know

Send the current one. Use your latest renewal, not one from two years ago. Cars, drivers and limits change.
Send every page of it. Some dec pages run onto a second or third page with vehicles and endorsements.
Home and auto both? Send both. It makes comparing a bundle much easier.
Learn to read it yourself. It takes about five minutes. Here’s how.

Ready when you are

Upload your dec page on the quote page and I’ll put the same coverage side by side so you can see exactly what you’d get. If what you have is already the right fit, I’ll tell you that too.

Talk to Elona