Terms and Conditions

Last updated: October 9, 2026

By using this website (the “Site”), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the Site.

1. What does this Site do?

CompareRatesHQ is an independent publisher. The Site helps you:

• Read about car and home insurance coverage options
• Compare insurance quotes from multiple providers
• Connect with licensed insurance agents, brokers and companies
• Send a request for a quote or for coverage

We connect you with providers. We do not provide insurance coverage ourselves, and we are not an insurer, agent or broker. See our about page and advertising disclosure.

2. Who can use the Site?

You must be at least 18 years old. By using the Site, you confirm that you are. You also agree to give accurate, current and complete information. That covers forms, talks with an agent, and any documents you send.

3. What are the rules for using the Site?

Use the Site for lawful purposes only. You agree not to:

• Break any federal, state, local or international law
• Submit false, inaccurate or misleading information
• Interfere with or disrupt our servers or networks
• Try to gain unauthorized access to any part of the Site
• Use the Site for commercial purposes without our written consent
• Scrape, harvest or collect data from the Site
• Use bots or other automated systems to interact with it
• Reverse engineer the Site or try to extract its underlying software
• Spread viruses, malware or other harmful software
• Pretend to be another person or entity

4. Are insurance quotes final?

No. Quotes are estimates only. The insurer sets the final rate and terms. They can differ from an early quote once the insurer:

• Verifies the information you gave
• Applies its underwriting rules
• Applies state rules and local factors
• Reviews your credit history (where state law allows) and driving record

We do not guarantee that you will qualify for coverage or get a quoted rate. Insurers may approve or deny an application under their own criteria.

5. Who are our partners, and may they contact you?

Our partners are licensed agents, brokers and companies. They are independent businesses that we do not control. Each has its own terms. Each is responsible for its own products, and each may contact you directly.

When you send a request through the Site, the form may ask you to agree to a consent notice. If you agree, you consent to being contacted by our insurance partners by:

• Phone calls, including automated calls
• Text messages
• Email
• Direct mail

You can take that consent back. Federal rules let you opt out of automated calls and texts at any time, in any reasonable way. Telling the caller to stop, or replying “STOP” to a text, counts. You can also contact us.

6. Who owns the content on the Site?

We or our licensors own the text, graphics, logos, images and software on the Site. Copyright and trademark laws protect them. Without our permission, you may not:

• Copy, modify or distribute any content
• Use our trademarks or logos
• Create works based on our content
• Remove copyright or ownership notices

7. What do we not promise?

We provide the Site “as is” and “as available.” We make no warranties, express or implied, about:

• The accuracy or completeness of information
• Uninterrupted or error-free service
• The quality of the insurance products our partners offer
• Whether anything on the Site fits your needs

What you read here is general information. It is not insurance, legal or financial advice. It is not a product recommendation or a promise of coverage or rates. For advice about your own case, ask your state insurance department or a licensed agent.

8. When are we not liable?

To the maximum extent the law allows, we are not liable for any direct, indirect, incidental, special, consequential or punitive damages. That includes damages from:

• Your use of the Site or services, or being unable to use them
• Errors or omissions in content
• Actions of third-party insurance providers
• Loss of data or business interruption

9. What do you agree to cover?

You agree to indemnify and hold harmless us and our officers, directors, employees and agents against claims, damages, losses or expenses that come from:

• Your breaking these Terms
• Your use of the Site or services
• Information you give to us or our partners
• Your violation of anyone else’s rights

10. Can we end your access?

Yes. We may suspend or end your access at any time, without notice and for any reason. Examples include breaking these Terms, fraud, security concerns and ending a service.

11. Which law applies?

These Terms are governed by the laws of the United States and the state where we are located. Any dispute goes to the courts there, which have exclusive jurisdiction.

12. Can these Terms change?

Yes. We may change them at any time. Changes take effect once we post them on the Site. If you keep using the Site after that, you accept the new Terms.

13. How does your privacy fit in, and what if part of the Terms fails?

Our Privacy Policy explains how we collect and use personal information. It is part of these Terms. Together they are the whole agreement between you and us about the Site. If a court finds one provision invalid, the rest stays in force.

14. How do you contact us?

Email [email protected] with any question about these Terms.

Acknowledgment: By using the Site, you confirm that you have read and understood these Terms and Conditions, and that you agree to be bound by them.