Terms and Conditions of Use

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Terms and Conditions of Use

Effective Date: October 27, 2026

1. Terms

By accessing the website at Smart Auto Rates, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Educational and Informational Disclaimer

The information provided on Smart Auto Rates regarding US auto insurance, state coverage minimums, quotes, policy discounts, and insurance regulations is for general educational and informational purposes only.

Smart Auto Rates is not a licensed insurance brokerage, agency, or provider. We do not issue insurance policies, underwrite coverage, or provide direct financial or legal advice. Any insurance product rates, estimates, or quotes mentioned on this website are subject to change and may vary based on your individual driver profile, state regulations, and specific insurance company terms.

3. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Smart Auto Rates's website for personal, non-commercial transitory viewing only.

4. Limitations

In no event shall Smart Auto Rates or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Smart Auto Rates's website.

5. Revisions and Errata

The materials appearing on Smart Auto Rates's website could include technical, typographical, or photographic errors. Smart Auto Rates does not warrant that any of the materials on its website are accurate, complete, or current. Smart Auto Rates may make changes to the materials contained on its website at any time without notice.

6. Links

Smart Auto Rates has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Smart Auto Rates of the site. Use of any such linked website is at the user's own risk.

7. Governing Law

Any claim relating to Smart Auto Rates's website shall be governed by the laws of the United States without regard to its conflict of law provisions.

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