Gather the basics
Collect your current declarations page, vehicle identification number, driver details, annual mileage estimate and renewal date.
ROAD READINESS · INDEPENDENT EDUCATION
Driver Checklist
A calm review now can prevent surprises at renewal.
Road ReviewDriver Checklist
Build a simple review routine.
A calm review now can prevent surprises at renewal. Work through the following considerations at your own pace.
Confirm your priorities
Think about how much loss you could handle yourself, which vehicles you rely on daily and whether you need optional rental or roadside protections.
Review exclusions
Look for excluded drivers, business-use limitations, special equipment provisions and any policy conditions that are easy to miss.
Write down questions
Ask for clear explanations of limits, deductibles, payment options and claim procedures before you decide whether to make a change.
Keep your notes in one place.
A clear list of questions can make conversations about coverage more productive.
Request educational information →A practical pre-renewal check
Confirm the VIN, garaging address, listed drivers, annual mileage estimate, lienholder details, and any vehicle-use changes. Inaccuracies can create confusion later. Gather your current declarations page before reviewing alternative options.
Ask whether your policy includes rental reimbursement, roadside assistance, uninsured or underinsured motorist coverage, and any relevant endorsements. Not every optional feature is necessary for every driver; the point is to make an informed choice rather than assume it is included.