Disclaimer

We want you to know exactly what our guides are, and what they are not.

The information is general and educational

Our guides explain how insurance works in general terms. They are not written for your specific circumstances and are not insurance, legal, tax or financial advice.

Rules vary

Insurance is regulated state by state. Required coverages, minimum limits, consumer protections and the factors that companies may use to set prices differ from one state to another and change over time. A statement that is true in one state may not apply in yours.

Prices vary

The figures we cite are published averages. Your own premium depends on your state, your location within it, your vehicle, your driving and claims history, the coverage you choose and the company. An average is not a quote and does not predict what you will pay.

Confirm before you decide

Before making a decision, confirm the details with an official source such as your state insurance department, read the policy itself and consider speaking with a licensed insurance professional. If a guide and your policy say different things, the policy governs.

What Help Insurance is not

Help Insurance is not an insurance company, agency, broker, agent or financial or legal adviser. We do not sell insurance and we do not act on anyone's behalf.

Errors

We correct mistakes when we find them. If you see one, please use the contact page.