Last Updated: December 4, 2025
1. Introduction: Our Commitment to Honesty
Welcome to OnlineCarsInsuranceQuote.com. We know that “Disclaimer” pages are usually the most boring part of a website—dense blocks of tiny text that nobody wants to read. However, we do things differently here.
We believe that trust is the most important currency in the insurance world. Because you are trusting us to help you find information about protecting your car and your finances, we want to be completely open about who we are, how this website operates, and how we keep our content free for you to access.
Please take a moment to read this policy. We have written it in plain English, avoiding confusing legal jargon wherever possible, so you understand exactly what we can and cannot do for you.
2. General Information Purpose Only
The content provided on OnlineCarsInsuranceQuote.com is intended for informational and educational purposes only. Think of us as a research assistant or a helpful guide, rather than a licensed insurance agent sitting across the desk from you.
While our team of writers and researchers strives to provide the most accurate, up-to-date data on car insurance trends, state laws, and coverage options, we are a media publisher, not an insurance carrier.
What this means for you:
- We do not issue policies: We cannot bind coverage, issue insurance cards, or process claims.
- We are not your broker: Using this website does not create a client-agent relationship between you and us.
- Verify before you buy: Always confirm the specific details of a policy with the licensed insurance provider before signing a contract.
3. How We Make Money: Affiliate & Advertising Disclosure
Transparency is a core part of Google’s E-E-A-T standards, and it is a core value for us. Running a high-quality website requires resources, server space, and talented writers. To maintain OnlineCarsInsuranceQuote.com as a free resource for visitors, we participate in various affiliate marketing programs and lead generation partnerships.
Here is how it works: When you click on certain links, fill out a quote comparison form, or call a phone number listed on our site, we may earn a referral fee or commission. This happens at no extra cost to you. The insurance companies or lead aggregators pay us a small fee for connecting them with potential customers.
This funding allows us to:
- Keep our articles and guides free of paywalls.
- Invest in deep research to answer your insurance questions.
- Maintain a fast, secure website experience.
However, our financial relationships do not dictate our editorial opinions. We strive to present unbiased information. If an insurance company has a history of poor customer service, we will mention it, regardless of whether they are a partner.
4. Accuracy of Quotes and Rates
We know you are here for the numbers. However, the insurance industry is complex and highly personalized. Any insurance quotes, premium estimates, or savings figures you see on OnlineCarsInsuranceQuote.com are estimates only.
Insurance premiums are calculated based on dozens of dynamic factors, including:
- Your driving record and claims history.
- Your age, gender, and marital status.
- The make, model, and year of your vehicle.
- Your credit score (in most states).
- Your specific zip code.
Because these factors are unique to you, we cannot guarantee that the price you see on our website will match the final offer from an insurance carrier. Rates change daily. A quote you received yesterday might be different today.
5. No Professional Financial or Legal Advice
While we work hard to ensure our content is accurate, the information on this website should not be considered professional financial or legal advice.
Insurance laws vary significantly by state and country. A strategy that works for a driver in Texas might be illegal or ineffective for a driver in New York. Before making significant financial decisions or legal commitments regarding your liability coverage, we strongly recommend consulting with a certified financial advisor or a licensed attorney in your jurisdiction.
6. Third-Party Links and External Sites
Our website acts as a gateway to the broader insurance market. We frequently link to third-party websites, including government transportation departments, insurance carriers, and quote comparison tools.
Once you click a link that takes you away from OnlineCarsInsuranceQuote.com, our control ends.
- We are not responsible for the content, privacy policies, or security practices of external sites.
- If you submit personal data to a third-party quote tool, that data is governed by their privacy policy, not ours.
We carefully vet our partners, but the internet changes quickly. Always check the URL bar to see who you are dealing with.
7. Limitation of Liability
By using this website, you agree that OnlineCarsInsuranceQuote.com, its owners, writers, and partners will not be held liable for any direct, indirect, incidental, or consequential damages resulting from your use of our information.
In simpler terms: We provide this information in good faith to help you, but you use it at your own risk. We are not responsible if you choose a policy based on our information and it turns out not to cover a specific incident later on.
8. Updates to This Disclaimer
The digital world and the insurance industry evolve constantly. We reserve the right to update or modify this disclaimer at any time without prior notice. We encourage you to review this page periodically to stay informed about our terms and practices.