RateGuard is a free online insurance comparison platform. Transparency and consumer trust are our top priorities. This disclosure explains our referral relationships and how we earn compensation.
1. Referral & Affiliate Compensation
RateGuard is 100% free for consumers to use. To support our free rate comparison tools, educational guides, and server infrastructure, we partner with licensed insurance carriers, independent agencies, and marketplace lead networks. We may earn a referral fee or affiliate commission when you:
- Click on an insurance quote link or button on our site.
- Request an online quote comparison using your ZIP code.
- Call a listed partner toll-free phone number.
- Purchase or renew an insurance policy with a partner carrier.
2. No Extra Cost to You
Our affiliate partnerships never increase your insurance costs. The premiums, discounts, and policy terms offered by our partner insurance carriers are identical whether you visit their website directly or navigate through RateGuard. There are zero hidden fees, subscriptions, or surcharges for using our site.
3. Editorial Independence & Ratings
While affiliate relationships may influence where or how partner insurance companies are positioned in comparison tables, compensation never determines our editorial opinions, guide conclusions, or ratings. Our research team evaluates insurance providers objectively based on coverage options, customer satisfaction ratings, financial strength, and overall value.
4. Insurance Carrier Disclaimers
RateGuard is an independent insurance comparison website and marketing partner. We are not an insurance carrier and do not issue policies or adjust claims. Final rates, policy eligibility, discounts, and binding coverage are decided solely by the underwriting insurance provider based on your location and driver profile.
5. Questions or Feedback?
If you have any questions regarding our affiliate partnerships, editorial standards, or website content, please reach out to our team at support@rateguard.com or visit our Contact Us page.
Frequently Asked Questions
Clear answers to help you compare insurance options with confidence.
How can I use Affiliate Disclosure?+
Start by reviewing the information on this page, then use the quote tool when you are ready to compare options. The information is designed to help you ask better questions before choosing coverage.
Is it free to compare insurance options here?+
Yes. You can explore the information and start a quote comparison without an obligation to buy. Any final policy decision and price are handled by the insurance provider you choose.
What information will I need for a quote?+
Usually you will need your ZIP code, basic vehicle and driver details, and an idea of the coverage you want. Keeping your current declarations page nearby can help you compare similar coverage levels.
Will my ZIP code determine my insurance price?+
Your ZIP code can be one factor because availability and local costs vary by area, but it is not the only factor. Vehicle details, driving history, selected coverage, deductibles, and insurer rules can also affect pricing.
How do I compare policies fairly?+
Compare the same liability limits, deductibles, drivers, vehicles, and optional coverages across each option. This helps you avoid choosing a lower price that offers materially less protection.
Can I change my coverage later?+
Many insurers allow coverage changes during the policy term, subject to their rules and state requirements. Contact the insurer before making a change so you understand the effective date and any price impact.
What should I look at besides the premium?+
Review coverage limits, deductibles, exclusions, available discounts, claims support, and optional protections such as roadside assistance or rental reimbursement. The lowest premium is not always the best fit.
How quickly can I see available options?+
The initial comparison generally takes only a few minutes once you provide the requested information. Availability and final details can vary by insurer, state, and the information entered.
Is my information used to create an insurance policy?+
The comparison process helps you explore available options. A policy is only issued after you choose an insurer and complete that insurer’s own application and verification process.
Where can I get help if I am unsure about coverage?+
Use this page as an educational starting point, then ask a licensed insurance professional or the insurer about your specific situation. They can explain policy terms, eligibility, and state-specific requirements.