Terms & Disclaimer

These terms explain the rules for using EzRatesAuto and, importantly, clarify that the rates we show are estimates — not binding insurance quotes. Please read them carefully.

Acceptance of Terms

By accessing or using EzRatesAuto, you agree to these Terms of Service. If you do not agree, please do not use the site.

What EzRatesAuto Is

EzRatesAuto is a free, independent comparison tool for auto-insurance rates. We are not an insurance company, agent, or broker, and we do not sell, bind, or issue insurance policies of any kind.

Estimates Are Not Quotes

• The rates shown on EzRatesAuto are illustrative estimates generated by our rating model based on the information you provide.
• They are not live quotes pulled from each insurer, and they are not offers, guarantees, or binding prices.
• Your actual premium is determined solely by the insurance carrier after its own underwriting, which may consider additional factors.
• Always confirm the final price and terms directly with the carrier before purchasing a policy.

No Commission or Bias

We do not currently earn a commission, referral fee, or kickback from the carriers displayed. Our estimates and rankings are not influenced by any payment from insurers. If this ever changes, we will disclose it clearly.

Links to Carrier Websites

When you choose a plan, we may direct you to a carrier’s official website to get an exact quote or purchase a policy. We are not responsible for the content, products, pricing, or practices of those third-party sites, which are governed by their own terms and privacy policies.

Your Responsibilities

• Provide accurate information when requesting an estimate.
• Use the site only for lawful, personal purposes.
• Keep your account credentials secure if you create an account.

Disclaimer of Warranties

The site and its content are provided “as is” without warranties of any kind, whether express or implied. We do not warrant that estimates will be accurate, that the site will be uninterrupted, or that it will be error-free.

Limitation of Liability

To the fullest extent permitted by law, EzRatesAuto will not be liable for any indirect, incidental, or consequential damages arising from your use of the site or your reliance on any estimate provided.

Changes to These Terms

We may update these Terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.

Contact Us

Questions about these Terms? Reach out any time through our contact form at /contact.