Terms of Service

01Acceptance of These Terms

Access to this site is offered on the condition that these terms are accepted in full. Anyone who does not accept them should stop using the site. Where a request is submitted on behalf of another person, the person submitting it confirms they hold the authority to do so.

02Eligibility

This site is available to residents of the United States who are of legal age to enter into a binding agreement in their state. Accounts and quote requests are intended for personal use, not for resale, redistribution or automated collection of the material published here.

03Nature of the Information Provided

Everything published on this site explains how auto insurance coverage generally works. It is educational material, not a policy, not a binder and not a guarantee that any coverage will be issued. A policy takes effect only when a carrier accepts an application and issues documents confirming it.

04No Professional or Legal Advice

The material here is general in nature and cannot account for every situation, vehicle or state requirement. It is not legal, financial or tax advice. Decisions with significant consequences deserve a review of the actual policy wording and, where the stakes justify it, a licensed professional in the relevant state.

05Quote Requests

A quote request is a request for information. It creates no obligation to purchase anything, and it produces no coverage on its own. Any figures returned depend entirely on the accuracy of what was submitted, and a carrier may adjust or decline them after its own review.

06Accuracy of Submitted Information

Coverage information is only as useful as the details behind it. Every visitor is responsible for the accuracy of what they submit, including vehicle details, driving habits, the drivers in the household and any current coverage described. Inaccurate details can produce options that do not apply.

07Accounts and Passwords

An account holder is responsible for keeping their password confidential and for any activity that takes place under their account. A password that may have been exposed should be changed without delay, and any unauthorised access should be reported through the contact details published on this site.

08Acceptable Use

While using this site, no visitor may:

• Submit false, misleading or fraudulent information through any form
• Attempt to access accounts, data or systems belonging to anyone else
• Interfere with the operation, security or availability of the site
• Copy, scrape or republish the material here for commercial use
• Use the site in a way that breaks an applicable law or regulation

09Communications Consent

Consent given through the signup form covers the message types selected there, and each type is agreed to separately. Consent is never required to receive quote information. A reply of STOP ends messages on that number, and a reply of HELP returns assistance details. Standard message and data rates may apply.

10Intellectual Property

The text, layout, graphics and arrangement of this site are protected and remain the property of their owner. Personal reference use is welcome. Republishing, redistributing or adapting the material for commercial purposes requires written permission granted in advance.

11Third Party Sites and Carriers

Links to carrier sites, regulator pages and other outside resources are provided for convenience. Those destinations are operated independently, and no responsibility is accepted for their content, availability, pricing or the decisions made there. Their own terms govern any interaction with them.

12Availability of the Site

This site is offered as it stands, without a promise of uninterrupted availability. Maintenance, technical faults or events outside reasonable control may take pages offline temporarily, and content may be changed, corrected or removed without prior notice.

13Limitation of Liability

To the fullest extent the law allows, no liability is accepted for indirect, incidental or consequential loss arising from use of this site or reliance on the general information published here. Coverage decisions rest with the person making them, and the terms of any issued policy control what that policy pays.

14Dispute Resolution and Arbitration

Any dispute arising from these terms or from use of this site is to be raised first through the contact details published on this site, so it can be resolved informally. Where that does not settle the matter, the dispute is resolved through binding individual arbitration rather than in court, and class or representative proceedings are waived to the extent the law permits.

15Changes to These Terms

These terms may be revised as the site changes or as legal requirements shift. The updated date at the top of this page reflects the current version, and continued use of the site after a revision means the revised terms apply from that point forward.

16Contact About These Terms

Questions about these terms can be raised through the phone number, email address and mailing address published in the footer of this site, or through the contact page. Every question receives a written response.