How can my insurance company check for a lien if I'm in another state?

I'm not sure if the vehicle is paid off? Do they have to contact my insurance company to find out?

Your insurance company would not verify a lien. The insurance company would need to add a lienholder to the policy. A lienholder is a person/company that has a financial interest in the car. They would be paid out first if the car was totaled. You would need to contact the finance company to verify if the car has a lien against it. If it does, you can provide them with your insurance information and they can verify it with the insurance company. Good luck and if you have any other questions, don't hesitate to ask.