3 minute readAuto
At renewal, and any time something changes: a new vehicle, a new driver, a move, a commute change, a teen turning sixteen, a violation aging off, or a premium increase. Auto policies drift out of date faster than any other personal line.
What you need to know
The five-minute check
Liability limits, UM/UIM, deductibles, listed drivers and vehicles, garaging address, and mileage.
After a household change
Marriage, a child moving out, or a driver leaving the household all change the correct structure.
Pair it with your home review
Reviewing both together is how bundling and umbrella gaps get caught.
Common mistakes
- Carrying California's minimum limits, which a single injury accident can exhaust.
- Declining or under-buying uninsured motorist coverage.
- Leaving a household driver off the policy.
- Filing small physical-damage claims near the deductible.
- Never updating mileage, garaging address or commute after a change.
When to talk to an agent
Talk to an agent before adding a teen driver, after buying a vehicle, after an accident or ticket, or any time you are not sure whether your liability limits would survive a serious at-fault crash.
Frequently asked
This article is general information, not a policy or a promise of coverage. What your policy pays depends on its specific terms, limits and exclusions. Ask us to review your actual policy before making a decision.