Disclaimer
Last updated: September 3, 2026
Please read this before relying on anything shown on this site.
1. We are not an insurance company
LegitRate.com is not an insurance company, agency, or broker. We are an advertising and referral service. We do not sell insurance, do not issue policies, do not bind coverage, and are not affiliated with any insurance carrier.
We do not provide quotes, do not underwrite, do not issue policies, do not bind coverage and do not handle claims. Every insurance product referenced on this site is provided by a separate, independently licensed company, and that company alone is responsible for it.
2. No guarantee of rates, savings or approval
Submitting a quote request does not guarantee that you will be offered a policy, approved for coverage, or given any particular rate. Actual premiums vary by location, coverage, deductibles, driving record, claims history, vehicle, property characteristics, and other underwriting factors including, where state law permits, a credit-based insurance score.
Lowest listed rates may not be representative and may not be available from all companies or in all states.
3. Figures shown on this site are illustrations
The rate card on the homepage and the savings comparison are illustrative examples, labelled as such on the page. They are not quotes, not offers, and not based on your information.
4. How we are compensated
This website contains affiliate marketing links. We are paid a commission or referral fee by the companies whose offers appear here, generally when you click through and submit a quote request. That compensation may affect which offers appear on this site, how prominently they are displayed, and in what order.
We do not charge you anything. We do not receive a share of any premium you pay. The companies you are referred to may charge their own fees, which they will disclose to you.
This site does not include every insurance company or product available in your state.
5. Credit and consumer reports
We do not perform credit checks and do not pull consumer reports. Insurance companies you are referred to may obtain a consumer report, motor vehicle record, claims history report (such as CLUE) or credit-based insurance score as part of underwriting, where state law allows. Those companies will provide any notices the Fair Credit Reporting Act requires. Non-payment of a premium may be reported to consumer reporting agencies by the insurer.
6. Trademarks
All company names, logos and brands shown on this site are the property of their respective owners. They are used for identification only. Use of these names and logos does not imply endorsement, sponsorship, partnership or affiliation. We are not affiliated with any insurance carrier.
7. Not professional advice
Content on this site is general information about insurance shopping. It is not legal, financial, tax or insurance advice, and it does not account for your circumstances. Coverage needs differ. Consult a licensed insurance professional in your state before making a decision.
8. Availability
Products and companies referenced here are not available in every state. Availability depends on the licensing and appetite of the individual insurer.
9. Contact
Legal notices: [email protected]
General enquiries: [email protected]
Legit Rate, 3400 Cottage Way, Ste G2 #31001, Sacramento, CA 95825