Terms of use

Last updated October 13, 2026

These terms explain the scope and limits of AutoCoverCompass, an independently operated education website for US drivers. Please read them with our Privacy Policy and Editorial Policy.

Educational information

We explain insurance concepts and publish educational tools. We are not an insurer, agent, broker or provider of live quotes. We do not sell, underwrite or issue insurance, bind coverage, decide claims, or provide individualized insurance, financial or legal advice. Using the website does not establish an insurance or professional advisory relationship.

Your policy and applicable requirements

Policy wording, endorsements, jurisdiction and effective dates determine the rules relevant to your situation. Sources and rules can change after an article is reviewed. Our summaries cannot replace your contract or controlling law. Verify your circumstances with official sources, your insurer and an appropriate licensed professional.

Tools and examples

Calculators use your inputs and the stated formulas. Hypothetical examples illustrate concepts, not actual quotes or guaranteed payouts. Results do not predict future premiums or determine which coverage or limits you should buy. A state lookup cannot certify legal compliance. Read the assumptions and limitations accompanying each tool.

Responsible use and content

Do not disrupt the website, bypass access safeguards or misrepresent its results as insurer quotes. Respect copyright and other intellectual-property rights that apply to our material and cited third-party material. Link to our pages when sharing them. These terms do not restrict uses permitted by applicable law.

Sources and external services

Links identify sources or useful resources; they are not guarantees or endorsements of a provider's products. External websites have their own terms and privacy practices. We do not control their availability or content.

Availability, corrections and changes

We work to maintain accurate, useful resources, but errors, service interruptions and outdated information can occur. We may correct, update or withdraw material. Please report concerns through our contact page. We will update these terms when the site's scope changes. Nothing here is intended to exclude rights or obligations that applicable law does not permit us to exclude.