Terms of Use

Terms of Use

Updated March 16, 2026

Welcome to the InsuranceRateGuard.com website. Your access to and use of this website, along with any websites belonging to InsuranceRateGuard.com, LLC, its affiliates, and subsidiaries (collectively referred to as “Websites”), establishes a legal agreement between you and us. By using these Websites, you confirm that you have carefully reviewed and fully comprehend these Terms of Use (“Agreement”). This Agreement governs your utilization of any goods, resources, or features provided through the Websites (collectively, “Services”), regardless of how you access them. Your access, browsing, or use of the Websites signifies your acknowledgment, acceptance, and commitment to adhere to this Agreement, in conjunction with our Privacy Policy, which is an integral part of this Agreement. You acknowledge that you have been given, have received, and consent to all disclosure and consent requirements to the fullest extent allowed by state law. Certain Services may have supplemental terms; by proceeding with such Services, you acknowledge that you have read, understood, and agreed to any additional terms that are displayed or referenced and that pertain to that Service. In this Agreement, “you” or “your” refers to the individual(s) using the Websites and/or the Services, as well as anyone whom such individual(s) represent concerning the Websites and/or the Services. “Insurance Rate Guard,” “us,” or “we” encompasses InsuranceRateGuard.com, LLC, including all its affiliates and subsidiaries. “Provider(s)” includes, but isn’t limited to, banks, lenders, financial institutions, insurers, service providers, real estate companies, dealers, agents, brokers, and other entities that offer products and services through the Websites or are partnered with Insurance Rate Guard to facilitate the products and services you request. “Qualification Form” denotes your request to be connected with providers of any products and services you may access through the Websites. 

Insurance Rate Guard retains the right to modify or change the Websites or this Agreement (or any part of it) at its discretion at any time. Any such changes or modifications will be effective immediately upon posting on the Websites. You commit to reviewing this Agreement for any changes when you use the Websites, and your continued use of the Websites or Services signifies your acceptance of those changes and modifications. The Websites are designed for individuals who are at least 18 years old and are accessing the internet from a physical location within the United States. By using or accessing the Websites, you confirm that you are 18 years of age or older and are accessing the internet from a physical location within the United States. 

Website Purpose

InsuranceRateGuard provides educational information about insurance and may connect visitors with third-party insurance providers, agents, and marketplaces that offer insurance quotes and services.

Insurance Rate Guard is not an insurance company, agent, or broker and does not underwrite or issue insurance policies.

Any quotes or offers presented through our partners are provided solely by those third parties.

No Insurance Advice

Content on this website is provided for informational purposes only.

Nothing on this site should be interpreted as:

  • insurance advice
  • financial advice
  • legal advice

Insurance needs vary by individual and circumstance. Visitors should consult licensed insurance professionals before purchasing coverage.

Quote Requests and Lead Submission

When you submit information through a quote request form on Insurance Rate Guard, you authorize us to share your information with third-party insurance providers, agents, or insurance marketplaces that may provide quotes or insurance services.

These partners may contact you regarding insurance products that match your request.

Insurance Rate Guard does not guarantee:

  • availability of quotes

  • pricing accuracy

  • eligibility for insurance coverage

Communication Consent (TCPA)

By submitting a quote request form, you consent to be contacted by Insurance Rate Guard and our partners via:

  • telephone calls

  • text messages (SMS)

  • email communications

These communications may be made using automated dialing technology or prerecorded messages.

Consent to receive such communications is not a condition of purchasing insurance.

Compensation Disclosure

Insurance Rate Guard may receive compensation from insurance providers, agents, or lead marketplaces when users request quotes or interact with certain links on our website.

Compensation may influence which partners appear on the website or the order in which they are presented.

Third-Party Websites

Insurance Rate Guard may link to external websites operated by third parties.

We do not control these websites and are not responsible for their:

  • content

  • privacy practices

  • services

Visitors should review the policies of those websites before submitting personal information.

Intellectual Property

All content on Insurance Rate Guard, including articles, graphics, logos, and design elements, is protected by intellectual property laws.

Content may not be reproduced, distributed, or republished without written permission.

AI-Assisted Content

Some content on InsuranceRateGuard may be generated or assisted by artificial intelligence tools and subsequently reviewed by human editors.

While we strive for accuracy, we cannot guarantee that all information is complete or current.

Limitation of Liability

InsuranceRateGuard shall not be liable for any damages resulting from:

  • reliance on information on the website

  • interactions with third-party insurance providers

  • inaccuracies in insurance quotes or pricing

Use of this website is at your own risk.

Changes to Terms

InsuranceRateGuard may update these Terms of Use at any time. Continued use of the website constitutes acceptance of updated terms.

Privacy Policy

The Insurance Rate Guard Privacy Policy, which is incorporated into this Agreement by reference, outlines how we collect, protect, share, and utilize your information across our technology platforms, products, and services.

Copyright, Trademark, and Service Mark Notices

All text, graphics, photos, videos, sound, trademarks, logos, artwork, interfaces, and computer code, including but not limited to the design, coordination, “look and feel,” and arrangement of elements on the Websites (collectively, “Content”), is owned or licensed by Insurance Rate Guard. The Content is protected by trademark, copyright, patent laws, and other intellectual property rights and unfair competition laws. Unless expressly stated in this document, no part of the Websites or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, transmitted, or distributed in any manner, including the use of framing or mirroring, to any other computer, server, website, or medium for publication, distribution, or commercial purposes, without Insurance Rate Guard’s prior written consent. Nothing on the Websites should be interpreted as granting any license or right to use any Content.   

Disclaimers and Liability

THE WEBSITES, CONTENT, AND SERVICES ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES. INSURANCE RATE GUARD DOES NOT WARRANT THAT THE WEBSITES, CONTENT, OR SERVICES WILL BE ACCURATE, ERROR-FREE, OR UNINTERRUPTED. INSURANCE RATE GUARD DOES NOT GUARANTEE THAT THE WEBSITES, CONTENT, OR SERVICES WILL YIELD SPECIFIC RESULTS. TO THE FULLEST EXTENT PERMITTED BY LAW: UNDER NO CIRCUMSTANCES WILL INSURANCE RATE GUARD BE LIABLE FOR ANY DAMAGES ARISING FROM YOUR RELIANCE ON OR USE OF THE WEBSITES, CONTENT, SERVICES, OR OTHER ITEMS ON THE WEBSITES. INSURANCE RATE GUARD DISCLAIMS ALL WARRANTIES, WHETHER STATUTORY, EXPRESS, OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ADDITIONALLY, THE INCLUSION OR OFFERING OF ANY PRODUCTS OR SERVICES ON THE WEBSITES DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS OR SERVICES BY US. ALL SUCH INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT ANY WARRANTY.    

Indemnity

By using this website and any attached or adjacent services, you agree to indemnify, defend, and protect Insurance Rate Guard and its officers, directors, shareholders, predecessors, successors-in-interest, licensors, employees, agents, subsidiaries, and affiliates (“Insurance Rate Guard Parties”) from any claims, losses, liabilities, expenses (including attorney’s fees and costs), and damages resulting from your use of the Websites or Services, your violation of any third-party right or law, or your violation or alleged violation of this Agreement. You must not settle any claim or matter without Insurance Rate Guard’s prior written consent. The Insurance Rate Guard Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate fully in the defense of such claims.    

Limitation on Damages

INSURANCE RATE GUARD’S LIABILITY, IF ANY, SHALL BE LIMITED TO DIRECT AND FORESEEABLE DAMAGES, AND SHALL NOT EXCEED THE AMOUNT PROVIDED BELOW. UNDER NO CIRCUMSTANCES SHALL INSURANCE RATE GUARD BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, STATUTORY, PUNITIVE, OR EXEMPLARY DAMAGES, SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS, LOST BUSINESS, LOSS OF OR DAMAGE TO DATA, OR EMOTIONAL DISTRESS. NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, IN NO EVENT SHALL INSURANCE RATE GUARD’S TOTAL LIABILITY EXCEED U.S. $100.00. THESE LIMITATIONS AND EXCLUSIONS APPLY EVEN IF THIS REMEDY DOES NOT FULLY COMPENSATE YOU FOR ANY LOSSES OR FAILS OF ITS ESSENTIAL PURPOSE, OR IF WE KNEW OR SHOULD HAVE KNOWN ABOUT THE POSSIBILITY OF THE DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THESE LIMITATIONS AND EXCLUSIONS APPLY TO ANY CLAIMS RELATED TO THIS AGREEMENT OR THE SERVICES.    

Links to Third-Party Websites

The Websites may include links to websites maintained by third parties. These links are provided solely for your convenience and reference. Insurance Rate Guard does not operate or control any information, software, products, or services available on non-affiliated third-party websites. Insurance Rate Guard’s inclusion of a link to a website does not imply any endorsement of the services or the website, its content, or its sponsoring organization. Your use of such third-party websites may be subject to terms and conditions imposed by those third parties. When you leave the Websites, you acknowledge that Insurance Rate Guard is not responsible for the accuracy or content of the information provided by that website, nor is it liable for any technical or system issues arising from your access to or use of third-party technologies or programs available through that website.   

Errors and Delays

You acknowledge that Insurance Rate Guard is not responsible for any errors or delays in responding to a request or referral form that result from, including but not limited to, an incorrect email address or other information you provided, or technical problems beyond our reasonable control. 

Dispute Resolution, Governing Law, Waivers, and Limitations

YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND US, INCLUDING BUT NOT LIMITED TO DISPUTES RELATING TO THE WEBSITES, CONTENT, OR SERVICES (“DISPUTE”), WILL BE RESOLVED FINALLY AND EXCLUSIVELY BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS CONSUMER ARBITRATION RULES. DISPUTES WILL BE ARBITRATED AT A HEARING IN CHARLOTTE, NORTH CAROLINA. THE ARBITRATOR(S) MUST ADHERE TO THE LAW, AND SHALL MAKE REASONABLE EFFORTS TO EXPEDITE THE ARBITRATION PROCEEDINGS AND TO LIMIT DISCOVERY. THIS MEANS YOU WILL NOT BE ABLE TO LITIGATE ANY DISPUTE IN COURT, AND YOU WAIVE YOUR RIGHT TO A JURY TRIAL. YOU AGREE THAT ANY DISPUTE WILL BE GOVERNED BY THE LAWS OF THE STATE OF NORTH CAROLINA, WITHOUT REGARD TO ITS CONFLICTS OF LAWS PROVISIONS. IF ANY MATTER PROCEEDS IN COURT, INCLUDING POST-ARBITRATION CONFIRMATION PROCEEDINGS, YOU AGREE TO THE EXCLUSIVE PERSONAL JURISDICTION AND VENUE IN THE STATE AND FEDERAL COURTS LOCATED IN MIDDLESEX COUNTY, MASSACHUSETTS, AND YOU WAIVE ANY OBJECTION TO SUCH JURISDICTION OR VENUE. You agree that no arbitration under this agreement shall be combined with an arbitration involving any other party to this agreement. Arbitration must be conducted on an individual basis. You may not combine claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a private attorney general capacity. You agree that any dispute or disagreement about the enforceability, applicability, or interpretation of any provision of this Agreement, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and must be resolved by an arbitrator. You also agree that any dispute or cause of action related to the Websites, Services, or Content must begin within one year from the later of (1) when the dispute or cause of action occurs or (2) when, through reasonable diligence, you should have known about the cause of action. Otherwise, such cause of action is permanently barred.

Miscellaneous Terms

This Agreement (including all referenced or incorporated policies, agreements, and other provisions) is the complete agreement between you and Insurance Rate Guard, and it supersedes all prior or contemporaneous oral or written agreements or other communications between the parties regarding the subject matter of this agreement. If there is a conflict between the language of this Terms of Use Agreement and the language of any terms incorporated by reference, the incorporated terms will prevail. You acknowledge and agree that, by entering into this Agreement, you are not relying on any representation, warranty, statement, or promise, whether express or implied, that is not explicitly stated in this Agreement, and you waive any claim of reliance on such. If any provision of this Agreement is found to be invalid or unenforceable, you agree that the provision will be modified to the extent possible to make it enforceable concerning the Dispute in question and to reflect the intent of the existing language of the provision as much as possible within the context of this Agreement as a whole. The modified provision will be enforced regarding the underlying claims in the Dispute at issue, and such a finding of invalidity or unenforceability will not affect the validity or enforceability of this Agreement as a whole or any other provision of this Agreement.

Terms Applicable to Insurance Request Services

Insurance Rate Guard is not a licensed insurance agency or broker and does not provide insurance quotes as defined by RCW 48.17 or similar state statutes. The information provided by Insurance Rate Guard is not a substitute for professional advice from a licensed insurance agent, nor does Insurance Rate Guard offer any evaluation of insurance providers or their policies.