Terms and Conditions

Effective Date: September 24, 2026

Welcome to Auto-Insured.com. These Terms and Conditions (“Terms”) govern your access to and use of Auto-Insured.com, including our website, quote-request features, communications, and related services.

By accessing or using Auto-Insured.com, you acknowledge that you have read and agree to these Terms. If you do not agree with these Terms, please discontinue use of the website.

1. Our Services

Auto-Insured.com provides information and assistance to consumers interested in auto insurance products and services.

Through our website, you may be able to request information, submit a quote request, communicate with representatives, or explore available auto insurance coverage options.

Auto-Insured.com is not an insurance carrier. Insurance products are offered and issued by applicable insurance providers. Coverage availability, eligibility, premiums, discounts, deductibles, limits, terms, and conditions are determined by the applicable insurance provider and its underwriting requirements.

Submitting information through Auto-Insured.com does not guarantee that you will qualify for insurance coverage or receive a particular rate.

2. No Guarantee of Quotes or Coverage

Any insurance quote, estimate, price, coverage description, or other information provided through the website or during communications is subject to verification and applicable underwriting requirements.

Quotes may change based on information provided by you, driving history, vehicle information, location, coverage selections, underwriting information, and other factors considered by the applicable insurance provider.

Insurance coverage is not considered effective merely because you submit a form, request a quote, make an inquiry, or receive an estimate.

Coverage becomes effective only when confirmed by the applicable insurance provider in accordance with its requirements.

3. User Information

You agree to provide accurate, complete, and current information when requesting insurance information or using our services.

This may include information concerning you, your vehicle, drivers, household members, insurance history, driving history, and other information reasonably necessary to process your request.

Providing inaccurate, incomplete, misleading, or fraudulent information may affect the availability or terms of insurance coverage.

4. Insurance Decisions

Insurance providers are responsible for determining eligibility, underwriting, pricing, coverage availability, policy issuance, cancellations, renewals, and claims according to their applicable rules and policies.

Auto-Insured.com does not guarantee:

Approval for insurance coverage
Any particular insurance premium
A specific discount or savings amount
Availability of a particular insurance provider
Acceptance of a particular driver or vehicle
Approval of an SR-22 or other insurance requirement
Any particular claims outcome

5. Payments

If payment information is provided in connection with purchasing an insurance policy, applicable premiums, fees, billing schedules, refunds, cancellations, and payment terms are subject to the terms established by the applicable insurance provider.

You are responsible for reviewing the applicable policy documents, payment schedule, and billing terms before completing a purchase.

6. Policy Documents

The actual insurance policy and related documents issued by the applicable insurance provider control the terms of your insurance coverage.

Information displayed on Auto-Insured.com or communicated during a quote process is intended to assist consumers and does not replace the terms, exclusions, limitations, conditions, or definitions contained in an issued insurance policy.

If there is a conflict between general information provided through Auto-Insured.com and an issued insurance policy, the applicable policy documents will govern, subject to applicable law.

7. Communications

When you provide your telephone number or email address, you authorize us to contact you regarding your inquiry, quote request, customer-service request, or other transaction you initiated.

Where marketing, automated calls, or text messages are used, they will be subject to applicable consent requirements.

Consent to receive marketing communications is not a condition of purchasing insurance unless otherwise permitted by applicable law.

You are responsible for ensuring that the telephone number and email address you provide belong to you or that you have authorization to use them.

8. Acceptable Use

You agree not to misuse Auto-Insured.com.

You may not attempt to interfere with the operation or security of the website, introduce malicious software, gain unauthorized access to systems or accounts, submit intentionally fraudulent information, scrape or copy website content through unauthorized automated methods, or use the website for unlawful purposes.

9. Intellectual Property

Unless otherwise stated, the content and materials available on Auto-Insured.com, including website design, graphics, text, logos, and other original materials, are protected by applicable intellectual-property laws.

You may use the website for personal, non-commercial purposes related to obtaining information about our services.

You may not reproduce, distribute, modify, republish, or commercially exploit protected website content without appropriate authorization.

Third-party names, logos, trademarks, and service marks belong to their respective owners.

10. Third-Party Services and Websites

Auto-Insured.com may contain links to third-party websites or may provide access to products and services offered by third parties.

We do not control third-party websites and are not responsible for their content, security, availability, privacy practices, or independent terms and conditions.

Your interactions with an insurance provider or other third party may also be governed by that party's own agreements and policies.

11. Website Availability

We attempt to maintain reliable access to Auto-Insured.com but do not guarantee that the website will always be available, uninterrupted, secure, or error-free.

We may modify, suspend, update, restrict, or discontinue portions of the website when reasonably necessary.

12. Disclaimer of Warranties

To the extent permitted by applicable law, Auto-Insured.com and its website content are provided on an “as is” and “as available” basis.

We make no guarantee that information displayed on the website will always be complete, current, error-free, or suitable for every individual's circumstances.

Nothing on the website should be interpreted as guaranteeing insurance eligibility, coverage, pricing, savings, or claims results.

13. Limitation of Liability

To the maximum extent permitted by applicable law, Auto-Insured.com will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the website.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

14. Privacy

Your use of Auto-Insured.com is also subject to our Privacy Policy, which describes how we collect, use, disclose, and protect personal information.

Please review the Privacy Policy before submitting personal information through our website.

15. Changes to These Terms

We may update these Terms periodically to reflect changes in our services, website, business practices, or applicable requirements.

When changes are made, the effective date at the top of this page may be updated.

Your continued use of the website following an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.

16. Governing Law

These Terms will be governed by applicable laws of the United States and the State of California, without regard to conflict-of-law principles, except where another jurisdiction's laws are required to apply.