DISCLAIMER

PremiumPolicyRates.com

Last Updated: November 20, 2025

PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE USING OUR SITE.

By accessing and using PremiumPolicyRates.com (“Site”), you acknowledge and agree to the terms of this Disclaimer. If you do not agree, please discontinue use of the Site immediately.

1. General Information Only

The information provided on PremiumPolicyRates.com is for general informational purposes only. All information on the Site is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the:

  • Accuracy
  • Adequacy
  • Validity
  • Reliability
  • Availability
  • Completeness

…of any information on the Site.

2. Not Professional Advice

IMPORTANT: PremiumPolicyRates.com is NOT a licensed insurance provider, insurance agent, insurance broker, financial advisor, or legal professional.

2.1 Insurance Information

The insurance information, comparisons, quotes, and recommendations on our Site:

❌ Should NOT be considered professional insurance advice

❌ Are NOT a substitute for consultation with a licensed insurance professional

❌ May NOT apply to your specific circumstances

✅ Are for educational and informational purposes only

✅ Should be verified with licensed insurance professionals

2.2 Financial and Legal Information

Any financial or legal information on our Site:

❌ Is NOT professional financial or legal advice

❌ Should NOT be relied upon for making financial or legal decisions

✅ Is general information only

✅ Should be verified with qualified professionals

ALWAYS consult with licensed professionals before making insurance, financial, or legal decisions.

3. No Guarantee of Accuracy

While we strive to provide accurate, up-to-date information:

⚠️ Insurance rates, coverage, and availability change frequently

⚠️ Information may become outdated

⚠️ Errors may occur despite our best efforts

We make no guarantees about:

  • Current accuracy of rates or quotes
  • Availability of specific insurance products
  • Eligibility for coverage or discounts
  • Savings or benefits you may receive

Insurance markets are dynamic. Rates, coverage options, and availability vary by:

  • Location (state, county, ZIP code)
  • Individual circumstances (age, driving record, credit score)
  • Insurance company policies
  • Market conditions and regulations
  • Time of application

4. Third-Party Information

Our Site may include information from third-party sources, including:

  • Insurance companies
  • Government agencies
  • Industry publications
  • User-submitted content

We are not responsible for:

  • Accuracy of third-party information
  • Completeness of third-party data
  • Changes made by third parties
  • Third-party opinions or statements

5. Insurance Quotes and Estimates

5.1 Quote Comparisons

When we provide insurance quote comparisons:

  • These are estimates only
  • Actual quotes may differ significantly
  • You must contact insurance companies directly for official quotes
  • We are not responsible for discrepancies between our estimates and actual quotes

5.2 Rate Factors

Insurance rates depend on numerous factors, including but not limited to:

  • Age, gender, marital status
  • Driving history and record
  • Credit score (in applicable states)
  • Vehicle make, model, year
  • Location and ZIP code
  • Coverage levels selected
  • Deductibles chosen
  • Claims history
  • Bundling and discounts

Your actual rate will vary based on your specific circumstances.

6. No Insurance Guarantee

PremiumPolicyRates.com does NOT:

❌ Guarantee approval for any insurance coverage

❌ Guarantee specific rates or quotes

❌ Guarantee availability of products or services

❌ Guarantee savings or benefits

❌ Act as an insurance agent or broker

❌ Sell, underwrite, or issue insurance policies

We are an informational website only. All insurance transactions occur directly between you and the insurance companies.

7. Product and Service Reviews

7.1 Our Reviews

Reviews and ratings on our Site reflect our editorial team’s opinions based on:

  • Research and analysis
  • Product features and benefits
  • User feedback and reviews
  • Industry data and trends

Our reviews:

  • Are subjective opinions
  • May not reflect your personal experience
  • Should be considered as one factor in your decision-making
  • Are based on information available at the time of publication

7.2 User Reviews

User-submitted reviews and testimonials:

  • Reflect individual experiences
  • Are not verified by us (unless stated otherwise)
  • May not be representative of typical results
  • Are subject to bias and individual circumstances

8. External Links

Our Site contains links to third-party websites, including:

  • Insurance company websites
  • Government resources
  • Industry organizations
  • Partner sites

We are NOT responsible for:

  • Content of external websites
  • Accuracy of information on external sites
  • Privacy practices of third parties
  • Products or services offered by third parties
  • Changes made to external sites

Visiting external links is at your own risk. We recommend reviewing the terms and privacy policies of any site you visit.

9. Affiliate Relationships

IMPORTANT DISCLOSURE:

PremiumPolicyRates.com participates in affiliate marketing programs and may earn commissions from:

  • Insurance companies
  • Financial service providers
  • Other partners

This means:

  • We may receive compensation when you click certain links
  • We may earn commissions when you purchase products or services through our referral links

However:

  • Our affiliate relationships do NOT influence our editorial content
  • We maintain editorial independence
  • Our reviews and recommendations are based on merit, not compensation
  • We clearly disclose affiliate relationships

See our full Affiliate Disclosure for more details.

10. Changes and Updates

The insurance industry is constantly changing. Information on our Site:

  • May become outdated
  • May be updated without notice
  • May contain errors or omissions despite our efforts

We encourage you to:

  • Verify information with official sources
  • Check directly with insurance companies
  • Consult with licensed professionals
  • Review our Site regularly for updates

We are not liable for outdated or inaccurate information.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

We shall NOT be liable for any:

  • Losses or damages arising from your use of the Site
  • Decisions made based on information from our Site
  • Errors, omissions, or inaccuracies in our content
  • Losses resulting from insurance decisions
  • Damages from third-party products or services

You use this Site at your own risk.

12. No Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES.

We disclaim all warranties, including:

  • Accuracy or completeness of information
  • Fitness for a particular purpose
  • Non-infringement
  • Uninterrupted or error-free operation

13. Your Responsibility

YOU are responsible for:

✅ Verifying all information before making decisions

✅ Consulting with licensed professionals

✅ Reading and understanding insurance policies

✅ Comparing multiple quotes and options

✅ Making informed decisions based on your circumstances

✅ Complying with applicable laws and regulations

14. State-Specific Information

Insurance regulations vary by state. Information on our Site:

  • May not apply to your specific state
  • Should be verified with your state’s insurance department
  • May be subject to state-specific laws and regulations

Always check with your state’s insurance department for accurate, state-specific information.

15. Changes to This Disclaimer

We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting to the Site.

Your continued use of the Site after changes constitutes acceptance of the modified Disclaimer.

16. Contact Us

If you have questions about this Disclaimer, please contact us:

PremiumPolicyRates.com

BY USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS DISCLAIMER.