Disclaimer

Last updated: 2026-09-14

Not insurance advice

Cover by mQuickCalc ("we," "us," or "our") provides online insurance cost estimation tools for informational and educational purposes only. Nothing on this website constitutes insurance advice, legal advice, financial advice, or any other type of professional advice.

No insurance license

We do not hold an insurance license in any state or jurisdiction. We are not an insurance agent, broker, or agency. We cannot sell insurance policies or match you with insurance carriers.

Estimates only — not quotes

All calculator outputs are estimates based on:

• Publicly available industry average data
• General insurance pricing formulas
• Statistical aggregates from sources including the National Association of Insurance Commissioners (NAIC), Insurance Information Institute, Centers for Medicare & Medicaid Services (CMS), and state insurance department publications

These estimates do not account for:

• Credit-based insurance scores (where state law allows)
• Individual claims history details
• Exact vehicle condition, modifications, or safety features
• Location-specific risk factors not captured by state averages
• Carrier-specific underwriting criteria and pricing models
• Occupation, education, or other demographic factors that some carriers use

Your actual insurance premium

The only reliable way to get an accurate insurance price is to request a quote from a licensed insurance agent or directly from an insurance carrier. They will run a full underwriting check including your motor vehicle record, credit history, prior claims, and property details.

No liability

To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use this website or its tools. This includes but is not limited to financial losses resulting from reliance on calculator outputs, missed insurance coverage deadlines, or purchasing decisions.

Governing law

These terms shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to conflict of law principles.

Contact

Questions about this disclaimer? Email [email protected].