AFFILIATE DISCLOSURE

PremiumPolicyRates.com

Last Updated: November 20, 2025

TRANSPARENCY IS IMPORTANT TO US.

This Affiliate Disclosure explains how PremiumPolicyRates.com (“we,” “us,” “our”) may earn income through affiliate marketing and partnerships.

1. What Is Affiliate Marketing?

Affiliate marketing is a performance-based marketing arrangement where we earn commissions by promoting products or services offered by other companies.

How it works:

  1. We include special tracking links on our Site
  2. When you click these links and make a purchase or complete an action
  3. We may receive a commission from the company

This is a standard industry practice used by many informational and comparison websites.

2. Our Affiliate Relationships

PremiumPolicyRates.com participates in affiliate programs with various companies, including:

2.1 Insurance Companies

We have affiliate relationships with insurance companies such as:

  • Geico
  • Progressive
  • State Farm
  • Allstate
  • Nationwide
  • Liberty Mutual
  • [And others]

When you:

  • Click on insurance company links from our Site
  • Request quotes through our referral links
  • Purchase insurance through our links

We may receive compensation in the form of:

  • Per-click payments (CPC)
  • Per-lead payments (when you submit a quote request)
  • Per-sale commissions (if you purchase a policy)

2.2 Financial Service Providers

We may have affiliate relationships with:

  • Credit reporting agencies
  • Financial product providers
  • Loan and financing companies

2.3 Advertising Networks

We participate in advertising networks including:

  • Google AdSense
  • Amazon Associates
  • Commission Junction
  • ShareASale
  • [And others]

3. How We Earn Money

We may earn income through:

3.1 Affiliate Commissions

  • Cost Per Click (CPC): We earn a small amount when you click certain links
  • Cost Per Lead (CPL): We earn when you submit a quote request or sign up for services
  • Cost Per Acquisition (CPA): We earn a commission when you purchase a product or service

3.2 Display Advertising

  • Banner ads displayed on our Site
  • Contextual ads based on page content
  • Remarketing ads that follow you to other sites

3.3 Sponsored Content

  • Occasionally, we may publish sponsored articles or reviews
  • All sponsored content is clearly labeled as such
  • Sponsorships do not influence our editorial opinions

4. Editorial Independence

IMPORTANT: Our affiliate relationships DO NOT influence our editorial content or reviews.

4.1 Honest Reviews

  • We provide honest, unbiased reviews based on merit
  • We research products thoroughly before recommending them
  • We consider user feedback and industry data
  • We do not favor higher-paying affiliates over better products

4.2 Balanced Comparisons

  • We compare products fairly regardless of commission rates
  • We highlight both pros and cons
  • We recommend what we believe is genuinely best for our readers
  • We disclose when products pay different commission rates

4.3 Our Commitment

We promise:

✅ To be transparent about our affiliate relationships

✅ To only recommend products and services we genuinely believe in

✅ To disclose affiliate links clearly

✅ To maintain editorial independence

✅ To put our readers’ interests first

❌ We will NOT recommend products solely for higher commissions

❌ We will NOT hide or obscure our affiliate relationships

5. FTC Compliance

We comply with the Federal Trade Commission (FTC) guidelines regarding endorsements, testimonials, and affiliate marketing.

FTC requirements state:

  • Affiliate relationships must be clearly disclosed
  • Disclosures must be conspicuous and easy to understand
  • Endorsements must reflect honest opinions and experiences

We comply by:

  • Including this Affiliate Disclosure page
  • Disclosing affiliate relationships in relevant articles
  • Using clear language (not hidden disclosures)
  • Updating disclosures regularly

6. Identifying Affiliate Links

How to identify affiliate links on our Site:

6.1 Disclosure Statements

You’ll see disclosures such as:

  • “This post contains affiliate links.”
  • “We may earn a commission if you purchase through our links.”
  • “Affiliate Disclosure: [explanation]”

6.2 Link Indicators

Affiliate links may:

  • Include tracking parameters in the URL
  • Redirect through affiliate networks
  • Be marked with asterisks (*) or other indicators

6.3 Context

Affiliate links typically appear in:

  • Product reviews and comparisons
  • “Best of” lists and recommendations
  • Quote request forms
  • Banner advertisements

7. No Extra Cost to You

IMPORTANT: Using our affiliate links does NOT cost you anything extra.

  • The product or service price is the SAME whether you use our link or go directly to the company
  • Commissions are paid by the company, not by you
  • You will NOT be charged more for using our referral links

In fact, you may benefit:

  • We sometimes negotiate exclusive discounts for our readers
  • We may provide special offers or bonuses
  • Our research saves you time and effort

8. Your Choices

You are NEVER obligated to use our affiliate links.

You can:

  • Go directly to company websites without using our links
  • Compare prices and options independently
  • Use our information without making purchases
  • Disable cookies in your browser (though this may affect Site functionality)

We provide information whether or not you use our links.

9. Non-Affiliated Recommendations

Not all links on our Site are affiliate links.

We also link to:

  • Government resources (DMV, insurance departments)
  • Industry organizations
  • Educational resources
  • Competitor sites (for comparison purposes)

These links generate NO income for us and are provided solely for informational purposes.

10. Questions and Concerns

If you have questions about:

  • Our affiliate relationships
  • Specific partnerships
  • Commission structures
  • Editorial policies

Please contact us:

We are happy to provide additional information about our affiliate relationships.

11. Changes to This Disclosure

We may update this Affiliate Disclosure from time to time to reflect:

  • New affiliate partnerships
  • Changes in commission structures
  • Updates to FTC guidelines
  • Changes in our business model

When we update this Disclosure:

  • We will post the updated version on this page
  • We will update the “Last Updated” date
  • Material changes will be prominently announced

Your continued use of the Site after changes constitutes acceptance of the updated Disclosure.

12. Legal Information

This Affiliate Disclosure is part of our broader legal framework, which includes:

  • Terms & Conditions
  • Privacy Policy
  • Disclaimer

Please review all our legal pages to understand your rights and our responsibilities.

13. Summary

In plain English:

  • We earn money through affiliate marketing
  • We may receive commissions when you purchase products through our links
  • This does NOT affect the price you pay
  • Our affiliate relationships do NOT influence our honest reviews and recommendations
  • We are transparent about our relationships
  • We comply with FTC guidelines
  • You are never obligated to use our links

Our goal: Provide valuable, honest information that helps you make informed insurance decisions—whether or not you use our affiliate links.

Thank you for supporting PremiumPolicyRates.com!

Your use of our affiliate links helps us continue providing free, high-quality content.

14. Contact Information

PremiumPolicyRates.com