Terms of Service

Last Updated: February 19, 2026

Welcome to InsureSavingsGuide. By accessing and using this website (https://insuresavingsguide.com/), you accept and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must discontinue use of this website immediately.

1. Nature of Our Content

All content published on InsureSavingsGuide is provided strictly for general informational and educational purposes. Our articles, guides, comparisons, calculators, and any other materials are designed to help consumers better understand insurance topics and make more informed decisions. Nothing on this Site constitutes professional insurance advice, financial advice, legal advice, tax advice, or any other form of licensed professional counsel.

We are not licensed insurance agents, brokers, adjusters, underwriters, or financial advisors in any state or jurisdiction. We do not sell insurance policies, provide insurance quotes, bind coverage, process claims, or act as intermediaries between consumers and insurance companies in any capacity.

You should always consult with a qualified, licensed insurance professional before making any decisions about purchasing, modifying, or canceling insurance coverage. You should never delay seeking professional advice or disregard professional counsel because of something you have read on this website.

2. No Professional Relationship

Your use of this website does not create any professional, advisory, fiduciary, or client relationship between you and InsureSavingsGuide, its owners, contributors, or affiliates. No interaction with this Site or its content, including submitting a contact form, leaving a comment, subscribing to a newsletter, or reading our articles, establishes any duty of care or professional obligation on our part.

3. Accuracy and Timeliness of Information

While we make reasonable efforts to ensure the accuracy and timeliness of the information published on this Site, we make no warranties or representations, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any information, products, services, or related graphics contained on the Site for any purpose.

The insurance industry is complex and constantly evolving. Rates, coverage options, policy terms, provider offerings, regulations, and laws change frequently and vary by state, county, and municipality. Information that was accurate at the time of publication may become outdated without notice. We encourage you to independently verify all information before making any decisions based on content found on this Site.

4. Savings Estimates and Financial Projections

Any savings estimates, cost comparisons, financial projections, or statistical claims made on this Site are based on general industry data, publicly available information, third-party research, and reader-reported data. These figures are presented for illustrative and educational purposes only. Your actual savings, costs, and financial outcomes will vary significantly based on your personal circumstances, including your location, age, driving record, claims history, credit history, coverage needs, chosen provider, and many other individual factors. We do not guarantee any specific savings amount, rate, or financial outcome.

5. Affiliate Relationships and Advertising

This Site may contain affiliate links to third-party products and services. When you click on an affiliate link and make a purchase or take a qualifying action, we may earn a commission at no additional cost to you. These affiliate relationships help support the operation of this website and the creation of free educational content.

We may also display third-party advertisements on our Site through advertising networks such as Google AdSense. Advertisements are clearly distinguishable from editorial content. The appearance of an advertisement on our Site does not constitute our endorsement or recommendation of the advertised product, service, or company.

While affiliate relationships and advertising revenue support our operations, they do not influence our editorial content, opinions, or recommendations. We maintain editorial independence in all of our published content.

6. Intellectual Property

All content on this Site, including but not limited to text, articles, guides, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of InsureSavingsGuide or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, transmit, or exploit any content from this Site without our prior written permission, except for your own personal, non-commercial use, provided you do not modify the content and you retain all copyright and proprietary notices.

7. User Conduct

When using our Site, you agree to the following: you will not use the Site for any unlawful purpose or in violation of any applicable local, state, national, or international law or regulation; you will not submit false, misleading, or fraudulent information; you will not attempt to gain unauthorized access to any portion of the Site, other accounts, computer systems, or networks connected to the Site; you will not use any automated system, including bots, scrapers, or spiders, to access the Site without our express written permission; you will not interfere with or disrupt the integrity or performance of the Site or its underlying infrastructure; you will not impersonate any person or entity or misrepresent your affiliation with any person or entity; and you will not engage in any conduct that restricts or inhibits any other user from using or enjoying the Site.

8. User Comments and Submissions

If you submit comments, feedback, suggestions, or other content to our Site, you grant InsureSavingsGuide a non-exclusive, royalty-free, perpetual, irrevocable, and worldwide license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media format and through any distribution channel.

You represent and warrant that you own or control all rights to the content you submit, that the content is accurate, that the content does not violate these Terms of Service, and that the content will not cause injury to any person or entity. You are solely responsible for any content you submit, and we assume no liability for content posted by users.

We reserve the right, but have no obligation, to monitor, edit, or remove any user-submitted content at our sole discretion and for any reason, including content that we determine to be unlawful, offensive, threatening, defamatory, invasive of privacy, infringing of intellectual property, or otherwise objectionable.

9. Third-Party Links and Resources

Our Site may contain links to third-party websites, resources, and services that are not owned or controlled by InsureSavingsGuide. These links are provided solely for your convenience and reference. We have no control over the content, privacy policies, practices, or availability of any third-party websites and accept no responsibility or liability for them.

The inclusion of any link on our Site does not imply our endorsement, recommendation, or approval of the linked website or its content, products, or services. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods, or services available on or through any third-party website.

10. Disclaimer of Warranties

THIS SITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES PROVIDED ON OR THROUGH THIS SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, INSURESAVINGSGUIDE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT THE INFORMATION PROVIDED ON THE SITE IS ACCURATE, RELIABLE, OR COMPLETE; THAT DEFECTS WILL BE CORRECTED; THAT THE SITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE SITE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INSURESAVINGSGUIDE, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRIBUTORS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THIS SITE, ANY CONTENT OR INFORMATION OBTAINED FROM THIS SITE, OR ANY DECISIONS MADE BASED ON INFORMATION FOUND ON THIS SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO YOUR USE OF THIS SITE EXCEED ONE HUNDRED DOLLARS ($100.00).

12. Indemnification

You agree to indemnify, defend, and hold harmless InsureSavingsGuide, its owners, officers, directors, employees, agents, contributors, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or related to your use of this Site, your violation of these Terms of Service, your violation of any rights of any third party, or any content you submit to the Site.

13. Termination

We reserve the right to terminate or suspend your access to our Site, without prior notice and without liability, for any reason, including if we believe you have violated these Terms of Service. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

14. Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect the remaining provisions of these Terms, which shall remain in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

15. Entire Agreement

These Terms of Service, together with our Privacy Policy and any other legal notices or agreements published by us on the Site, constitute the entire agreement between you and InsureSavingsGuide regarding your use of this Site, superseding any prior agreements between you and us relating to your use of the Site.

16. Governing Law and Jurisdiction

These Terms of Service shall be governed by and construed in accordance with the laws of the United States and the State of Michigan, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within the State of Michigan for the resolution of any disputes arising out of or relating to these Terms or your use of the Site.

17. Changes to These Terms

We reserve the right to modify, amend, or replace these Terms of Service at any time at our sole discretion. When we make changes, we will update the "Last Updated" date at the top of this page. Material changes will be communicated through a prominent notice on our Site. Your continued use of the Site after any modifications to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must discontinue use of the Site.

18. Contact

If you have any questions about these Terms of Service, please reach out through our contact page.