What is an insurance policy number?

An insurance policy number is a unique identifier that attaches a car insurance policy to a specific individual. A policy number is assigned to a policy by an insurance company once you have purchased insurance from them.

This number is a reference point for the insurance company and varies in length depending upon the insurance company. Your policy number is listed on your insurance card.

Where do you find your policy number on your insurance card?

Your policy number typically is found on the front of your insurance card, along with the name of the insured individual, effective date and expiration date.

If you’re in an accident, you will provide the policy number on your insurance card to the other party. With this number, the other person can call your insurance provider and place a claim.

Additionally, state agencies, such as the Department of Motor Vehicles (DMV), can verify that you have the required insurance by getting your policy number and checking with your insurance company that your policy is still valid. A policy number typically replaces a binder number, if one is issued.

But before you decide on a company, make sure to get quotes from three different companies to get the cheapest car insurance.

Here’s how to estimate your car insurance rate

– Penny Gusner contributed to this story.