Terms of Service
Terms and conditions governing your access to and use of carinsurancecostcalculator.com and the Car Insurance Cost Calculator Android application (com.carinsurancecostcalculator.app).
1. Acceptance of Terms
By accessing or using the website carinsurancecostcalculator.com or downloading and using the Car Insurance Cost Calculator Android application (Package ID: com.carinsurancecostcalculator.app), you agree to be bound by these Terms of Service, our Privacy Policy, and our Financial & Insurance Disclaimer.
2. Informational & Educational Purpose Only (Not an Insurer or Broker)
All calculators, rate matrices, deductible break-even tools, and written guides provided on this platform are strictly for general educational and informational estimation purposes. We are not an insurance company, licensed insurance producer, broker, agent, or financial advisor. Nothing on this website or mobile application constitutes a binding insurance quote, an offer to sell insurance, or legal/financial advice.
3. Accuracy of Estimates & Limitation of Liability
While we calibrate our actuarial models against public NAIC, BLS, and state Department of Insurance filings, actual auto insurance premiums depend on proprietary carrier underwriting algorithms, motor vehicle records (MVR), CLUE loss history reports, and specific vehicle VIN symbols. Under no circumstances shall Car Insurance Cost Calculator or its contributors be liable for any direct, indirect, incidental, or consequential damages arising from financial decisions made based on estimates produced by our tools.
4. Intellectual Property & Acceptable Use
All original actuarial guides, calculator code, layout architecture, and data compilations on carinsurancecostcalculator.com are protected by copyright law. Users may use the interactive calculators freely for personal, non-commercial planning, but automated scraping, framing, or republication of our written guides without written permission is prohibited.