Street Cars Rater LLC
Effective date: November 29, 2025
Welcome and Basic Agreement
By opening this site you agree to these terms. They’re written in plain English because we hate legalese too. If you don’t want to follow them, that’s fine, just close the tab and drive safe.
What This Site Actually Is
Street Cars Rater is an independent educational resource about U.S. auto insurance. We publish explanations, averages, and general guidance based on publicly available data and real-world experience. We are not an insurance company, broker, agent, or comparison marketplace. Nothing here is a contract, a quote, or personalized advice.
No Professional Advice
Everything you read is for informational purposes only. It is not legal, financial, or insurance advice tailored to your situation. Rates change daily, state laws differ, and your actual premium depends on dozens of factors we can’t see. Always verify with licensed professionals and the actual insurer before making decisions.
Accuracy and Updates
We work hard to keep numbers and explanations current, pulling fresh data whenever possible. Still, insurance is a moving target. An average posted today can shift tomorrow. We can’t guarantee every figure is perfect for your exact ZIP code on the exact day you read it. Use the information as a starting point, not gospel.
Affiliate Links
Some outbound links are affiliate links. If you click one and later buy a policy from that company, we may earn a small commission at no extra cost to you. This never influences what we write or which companies we mention. We link to whoever actually offers the product, period.
Your Responsibility
You’re responsible for your own choices. If you switch coverage, raise your deductible, or pick a new car based on something you read here and it turns out differently than expected, that’s on you. We provide education, not promises.
Intellectual Property
All text, photos, design, and code on the site belong to Street Cars Rater LLC unless clearly credited otherwise. Feel free to share snippets with proper credit and a link back, but don’t republish entire pages or pretend it’s yours.
Limitation of Liability
We’re not liable for any outcome that comes from using the site. That includes rate increases, denied claims, financial loss, or even just getting annoyed at how complicated insurance is. We’re doing our best with good intentions, but the real world is messy.
Changes to These Terms
We can update these terms whenever needed. The new version takes effect the moment the “effective date” at the top changes. Keep visiting? You accept the latest version.
Governing Law
These terms are governed by California law, without regard to conflict of law principles. Any dispute would be handled in Santa Clara County courts, but let’s be honest, we’d rather just talk it out over email.
Contact
Questions, complaints, or want to say hi? We’re easy to reach.
Street Cars Rater LLC
contact@streetcarsrater.com
+1 415-882-3476
660 Stanford Shopping Center, Palo Alto, CA 94304, US
Thanks for reading the boring page so the rest of the site can stay useful and human. Now go save some money.