Privacy Policy

This Privacy Policy governs the use of your Personal Information in connection with any websites, online services, and/or applications owned or operated by Cheap Auto Rates ("we," "us," "our," or "Cheap Auto Rates"), including the website located at cheapautorates.com and any auto insurance comparison services (collectively, the "Services").

1. Insurance Disclaimer

We are not an insurance company or an insurance agent. We help connect individuals and businesses with companies that may be able to provide auto insurance products. We do not charge individuals to submit inquiries; instead, we receive payment from insurance agents, insurers, and third-party insurance service websites ("Insurance Services").

2. Information We Collect

Personal Information: When you use Cheap Auto Rates to compare auto insurance, we may collect identifiers (name, date of birth, driver's license number, IP address), contact info, motor vehicle records, driving history, claims history, desired coverage, consumer reports (driving abstracts, credit-based insurance score where permitted), device data, and location.

Usage Data: IP address, browser type, pages visited, clicks, and referring URLs.

Call & Session Recording: We may record calls and electronic communications for quality assurance. By communicating with us, you consent.

3. How We Collect Information

We collect information directly from you (forms, surveys), automatically via cookies and similar technologies, and from third-party sources such as insurance partners and consumer reporting agencies (e.g., driving record providers). We use cookies to improve your experience—essential, analytics, advertising cookies. You can adjust cookie preferences via browser settings.

4. Use and Sharing of Information

We use your Personal Information to: provide auto insurance quotes, connect you with licensed insurers, improve our Services, prevent fraud, and comply with legal obligations. We may share your information with Insurance Services and Service Providers (hosting, analytics, marketing). We do not sell sensitive personal data. However, some sharing with partners for personalized advertising may be considered a "sale" under certain laws; you can opt out (see Section 12).

5. Consumer Report Notice

In connection with auto insurance applications, insurers may obtain consumer reports including credit information and driving records (MVR). By providing information to Cheap Auto Rates, you consent to insurance partners obtaining such reports as permitted by applicable privacy legislation.

6. Your Privacy Rights

Depending on your jurisdiction, you may have the right to access, correct, and withdraw consent regarding your personal information. You may also request that we stop selling or sharing your information for marketing purposes.

7. Cookies & Online Advertising

We use cookies and similar tracking technologies. You can manage your cookie preferences through your browser settings or use the DAAC (Digital Advertising Alliance of Canada) opt-out tool at youradchoices.ca. For Google Analytics opt-out, visit Google Analytics Opt-out.

8. Security & Retention

We employ administrative, technical, and physical safeguards. However, no internet transmission is completely secure. We retain your personal information as long as necessary to fulfill the purposes described or as required by law (e.g., tax, insurance regulations).

9. Children's Privacy

The Site is not intended for children under 18. We do not knowingly collect personal information from minors.

10. Contact Us / Privacy Officer

11. Additional Rights – California & Nevada Residents (CCPA)

If you are a California resident, you have the right to opt out of the sale of your personal information under the CCPA. Cheap Auto Rates shares data with insurance partners for quote generation; you may request to opt-out by completing our "Do Not Sell My Info" form. Nevada residents have similar opt-out rights.

12. Do Not Sell My Personal Information

You can direct us not to sell your personal information by submitting a request via Do Not Sell My Personal Information form. We will process your request within 15 business days.

13. Changes to This Privacy Policy

We may update this policy. Changes will be posted on this page with an updated "Last revised" date. Your continued use of Cheap Auto Rates after changes constitutes acceptance.

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© 2026 Cheap Auto Rates – Auto Insurance Comparison. All rights reserved. Cheap Auto Rates is a digital insurance comparison engine, providing real-time auto insurance rates through relationships with licensed carriers and agency partners. As part of our ongoing service, Cheap Auto Rates and its Service Providers may monitor and record website activity for quality control and security, in compliance with applicable privacy laws.