Last updated: August 18, 2025
These Terms of Service ("Terms," "Terms of Service") govern your use of our website located at www.insurancequotes.com (the "Service") operated by Insurance Quotes ("us," "we," or "our").
By accessing and using our Service, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this Service.
Insurance Quotes is an online platform that connects consumers with licensed insurance agents, brokers, and carriers to obtain insurance quotes and coverage. We provide:
We are not an insurance company and do not provide insurance coverage directly. We act as an intermediary to help you find appropriate insurance solutions.
You must be at least 18 years old to use our Service. By using our Service, you represent and warrant that you are at least 18 years of age.
You agree to provide accurate, current, and complete information when using our Service. Providing false or misleading information may result in:
You may use our Service for legitimate insurance shopping purposes, including:
You agree not to use our Service for any of the following prohibited activities:
While we strive to provide accurate quotes, all quotes are estimates based on the information you provide. Final rates and coverage terms are determined by the insurance carrier and may differ from initial quotes due to:
Receiving a quote does not guarantee that you will be offered coverage. Insurance carriers reserve the right to decline coverage based on their underwriting guidelines and risk assessment.
Insurance agents, brokers, and carriers in our network are independent entities. We are not responsible for their actions, decisions, or the coverage they provide.
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
By using our Service, you consent to the collection and use of your information as described in our Privacy Policy.
The Service and its original content, features, and functionality are and will remain the exclusive property of Insurance Quotes and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used without our prior written consent.
Our Service may allow you to communicate with us and insurance professionals. By communicating through our Service, you agree that:
We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We may suspend or restrict access for maintenance, updates, or other operational reasons.
Our Service may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of third-party sites.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, INSURANCE QUOTES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF THE SERVICE.
You agree to defend, indemnify, and hold harmless Insurance Quotes and its affiliates, officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from:
We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason, including breach of these Terms.
Upon termination, your right to use the Service will cease immediately. If you wish to terminate your account, you may contact us directly.
These Terms shall be interpreted and governed by the laws of the State of New York, without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules.
You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.
Your continued use of the Service after any changes indicates your acceptance of the new Terms.
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Insurance Quotes regarding the use of the Service, superseding any prior agreements between you and Insurance Quotes relating to your use of the Service.
If you have any questions about this terms of service, please refer to our website.