Acceptance
By accessing The Rates Guy at www.theratesguy.com, the reader agrees to these terms. Readers who do not agree should not use the site.
What the site is
The Rates Guy is a California auto-insurance editorial publication. It is not an insurance company, carrier, agent, broker, or producer. The Rates Guy does not bind policies, does not collect premiums, and does not provide personalized insurance advice. Editorial content on this site is reportorial; binding decisions go through a California-licensed carrier or producer.
Rates are estimates
Rates published on this site are reportorial estimates sourced to California Department of Insurance filings and standardized driver profiles. Individual rates depend on the reader's record, ZIP code, vehicle, and the carrier's underwriting, and can be higher or lower than the published range. The Rates Guy does not guarantee any particular rate or coverage.
Outbound links
The site links to external resources including California Department of Insurance filings, partner comparison platforms, published surveys, and public data sources. The Rates Guy does not control the content of those external sites and is not responsible for their accuracy or availability.
Referral disclosure
When a reader clicks an outbound link to a partner comparison platform, The Rates Guy may earn a referral fee. The fee does not change the reader's rate and is not accepted in exchange for editorial placement. Full disclosure is on the About page.
User conduct
Readers agree not to misuse the site (automated scraping at volume, attempts to circumvent rate limiting, attempts to inject content). Editorial corrections, tips, and city requests are welcome and never count as misuse.
Limitation of liability
The Rates Guy provides editorial information on an "as-is" basis and shall not be liable for any indirect, incidental, special, or consequential damages arising from the reader's use of the site or reliance on its published rates. Total liability shall not exceed one hundred dollars ($100).
Changes
These terms may be updated periodically. The "Last updated" date at the top of the page reflects the most recent revision.
Contact
Questions about these terms go to editor@theratesguy.com.