Declarations record
Free renewal review
See what changed before the next policy term begins
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 control record
Current → Renewal
- 01IdentityTerm, listed drivers and listed vehicles
- 02CoverageLimits, deductibles and optional benefits
- 03ContractForms, endorsements and exclusions
- 04PriceFull-term premium and payment conditions
A highlighted change is a prompt to verify the document, not a judgment about the policy.
- Comparison
- 13 policy and pricing fields
- Data handling
- Entries remain in this tab
- Next step
- Written questions before renewal
Private renewal worksheet
Compare the current policy with the renewal record
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
Renewal offer
Renewal change check
Start with both declarations pages
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.
- Changed
- 0
- Same
- 0
- Missing
- 13
| 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.
A four-pass renewal review
Read the renewal as a new policy decision
A familiar logo and policy number can make a renewal feel automatic. The new term still deserves a controlled review because household facts, coverage selections, forms, price and billing conditions can change independently.
- 01
Confirm the record
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.
- 02
Compare coverage line by line
Review liability limits, UM/UIM, first-party injury benefits, collision, comprehensive, rental and every deductible. Treat missing or differently worded entries as questions.
- 03
Read forms and conditions
Identify new, removed or revised endorsements and discounts. Ask whether a displayed premium assumes telematics, a bundle, automatic payments or a particular payment plan.
- 04
Verify the issued policy
After a correction or purchase, review the final declarations page and forms. Keep the renewal, written explanation and issued record together.
Price needs a common denominator
Compare the full term before the installment
A monthly bill can change because the premium changed, the number of installments changed, a fee was added or the first payment is larger. Record the full policy-term premium first, then keep the billing schedule beside it. 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
- Current term premium
- The complete premium for the expiring term
- Renewal term premium
- The complete premium for the proposed term
- Amount due now
- The first payment or pay-in-full amount
- Later installments
- Count, amount and known installment fees
When something is unclear
Turn each difference into a written question
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.
- What changed from the prior term, and where is that change shown?
- Is the term premium based on the same drivers, vehicles, limits and deductibles?
- Which discounts or payment assumptions are included, and when can they end?
- Did any form, endorsement, exclusion or named-driver status change?
- When will a correction take effect, and which revised document confirms it?
Renewal is not nonrenewal
Read the notice type before taking action
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
Use the regulator named in your state guide
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.
Source and review record
Public guidance behind the worksheet
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.
- 01Texas Department of Insurance: Is your auto policy up for renewal? ↗
Renewal questions about premium, deductibles, drivers, vehicles and coverage.
- 02Texas Department of Insurance: How to read a declarations page ↗
The policy fields summarized on a declarations page.
- 03NAIC Consumer's Guide to Auto Insurance ↗
General policy, cancellation, nonrenewal and state-department context.
- 04California Department of Insurance Automobile Guide ↗
Policy-document review, comparison and written-correction practices.
- 05NAIC State Insurance Department Directory ↗
Finding the regulator for state-specific questions or complaint options.
Car insurance renewal review FAQs
Does this tool tell me whether to renew my policy?+
No. It organizes the values you enter and flags differences between two records. It cannot interpret all policy forms, decide how much coverage fits your finances, predict claim handling or determine whether another insurer will offer a policy.
Does ShowMyRates save the renewal information I enter?+
No. The worksheet has no account, upload, submit or save action. Entries remain in the current tab and clear when the page is refreshed. Do not enter names, addresses, policy numbers, VINs, driver-license numbers or payment information.
Why compare the full policy-term premium instead of one monthly payment?+
Installment amounts can reflect a first payment, later payments and fees. The full term gives the two records a common cost period. Review the actual billing schedule separately before accepting a renewal or replacing coverage.
What should I do when a coverage or endorsement changed?+
Ask the insurer or licensed agent to identify the change in writing and point to the relevant form or endorsement. Keep the explanation with the renewal record and review the issued declarations page after any correction.
Is a renewal notice the same as a nonrenewal notice?+
No. A renewal continues coverage for a new term, subject to its terms and price. Nonrenewal means the insurer will not continue the policy after expiration. Notice rules and available remedies vary by state, so use your state insurance department for local guidance.
After the renewal review
Need written alternatives on equal terms?
Use the quote worksheet to compare returned proposals. A ShowMyRates request is optional and may be reviewed by a listed licensed partner when one is available.