Vol. I / No. 21 / Friday, October 16, 2026
Editorial disclaimer
Read the evidence behind a comparison and understand what happens when you request help with your own insurance options.
01
The Rates Guy publishes California auto insurance guidance and filing news. Readers can separately request a personalized rate check using the contact consent shown on the form. The publication does not underwrite, issue or bind policies, and a submitted inquiry does not create or change coverage.
02
A filing request may be pending and may not represent your premium change. A published price needs a source date, driver and vehicle assumptions, coverage basis and a clear calculation. Comparison guidance is not a binding quote. Confirm the provider, price, fees, coverage and effective date before purchasing or canceling insurance.
03
A carrier mentioned in a guide is not a guarantee of current availability or the lowest price. This site does not claim to survey every carrier or perform a weekly quote study in every city. Ask providers to confirm eligibility for your address, vehicle, driving record and required coverage.
04
Coverage is limited to California auto insurance. Drivers outside California should consult a licensed insurance producer in their state.
05
The guides help readers prepare questions and understand sources. Any insurance transaction must be confirmed with the carrier or producer handling it. A rate-check inquiry does not guarantee eligibility or coverage.
06
The Rates Guy may earn referral fees from partner sites. Pedro Mendoza also owns a Freeway Insurance franchise, a separate insurance business. We do not accept payment for carrier placement. These relationships do not establish that a carrier is cheapest for you; compare the terms and fees in the actual offer.
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Full sourcing rules are on the methodology page. Corrections to editor@theratesguy.com.