# Terms of use

> The terms for using StateCover Guide: general information only, no insurance advice or quotes, how you may reuse our content and our limits of liability.

Canonical page: https://statecover-guide.com/terms/  
Last reviewed: October 28, 2026 by the StateCover Guide editorial team  
General information, not legal or insurance advice.

## Quick answer

You may read, share and link to StateCover Guide freely. The site gives general information about car insurance, not advice for your situation, and it does not sell insurance or give quotes. Check important decisions with your insurer, a licensed agent or your state insurance department.

## Key facts

| Topic | Summary |
|---|---|
| Who runs the site | the StateCover Guide editorial team |
| Type of information | General and educational, not legal, financial or insurance advice |
| Quotes or sales | None |
| Reusing our text | Short quotes with a link back are fine; copying whole pages is not |
| Reusing our figures | Cite the original source shown on the page or in /api/facts.json |
| Links to other sites | Provided for convenience; we do not control them |

## Using the site

By using StateCover Guide you agree to these terms. You may use the site for personal, non-commercial research and for linking, quoting short passages with credit and citing our figures. You may not copy whole pages, republish our content as your own, or use automated tools in a way that overloads the site.

## No advice and no quotes

Everything on this site is general information. Insurance rules, prices and products change, and your situation is your own. Nothing here is legal, financial or insurance advice, and nothing here is an offer of insurance or a quote. Before you buy, change or cancel a policy, check the details with an insurer, a licensed agent or broker, or your state insurance department.

## Accuracy

We work hard to keep pages accurate and to show where every figure comes from, and we review pages regularly. We cannot promise that every page is complete, current or free of errors at all times. If you find an error, please [tell us](https://statecover-guide.com/contact/).

## Tools

Our tools explain rules and the factors that affect cost. They do not produce real prices, and you should not rely on them as a substitute for a quote from a licensed insurer.

## Content and data

The text, design and code of this site belong to the StateCover Guide editorial team. The figures we publish come from public sources; when you reuse a figure, cite the original source listed with it.

## Links

We link to official and third-party sites so you can check our sources. We are not responsible for their content or policies.

## Limits of responsibility

To the fullest extent the law allows, we are not liable for losses that come from using, or being unable to use, this site or from relying on its information. Some places do not allow certain limits on liability, so parts of this section may not apply to you.

## Changes

We may update these terms. The date at the top of this page shows when they were last changed.

## FAQ

### Can I quote StateCover Guide in my article or school project?

Yes. Quote short passages, credit StateCover Guide and link to the page.

### Can I use your figures?

Yes. Please cite the original source shown with each figure, such as the NAIC or a state insurance department.

### Is the information on this site legal advice?

No. It is general information. For your own situation, talk to a licensed professional or your state insurance department.

### Are the tools' results quotes?

No. The tools explain rules and cost factors; only an insurer can give you a real price.

### Who do I contact about these terms?

Use our [contact page](https://statecover-guide.com/contact/).