1. Agreement to these terms
These Terms & Conditions ("Terms") govern your use of AutoAssures.com and the rate request service we offer (together, the "Service"). By accessing the Site or submitting a rate request, you accept these Terms and our Privacy Policy. If you do not agree, do not use the Service.
Please read section 12 carefully. It contains an arbitration agreement and a class action waiver that affect how disputes are resolved.
2. What the Service is, and is not
AutoAssures.com is a marketing and referral platform. We forward the information you submit to independent, licensed insurance agents and carriers ("Insurance Partners") who may contact you with quotes.
AutoAssures.com is not an insurance company, agency, broker or producer. We do not sell, solicit, negotiate, bind or underwrite insurance, we do not hold an insurance license, and we do not set rates or determine eligibility.
Content on the Site, including coverage guides, articles, FAQs and guidance on our forms, is general information and is not insurance, legal or financial advice. Any quote is an estimate prepared by an Insurance Partner. It is not an offer or a binding contract of insurance. Coverage exists only when an insurer issues a policy. We do not evaluate, rank, endorse or vouch for any Insurance Partner, and you should verify a partner's license with your state insurance department.
3. Eligibility
You must be at least 18 years old, a resident of the United States and able to form a binding contract to use the Service. By using it, you represent that these statements are true. You may submit a request for another adult only with that person's permission, and you are responsible for the accuracy of what you submit.
4. How matching works
When you submit a request, we review your state, ZIP code and the information you provide, and forward your request to up to four Insurance Partners licensed in your state that match it. Insurance Partners pay us a referral fee. You are not charged, and the fee does not affect the premium you are quoted.
We do not guarantee that any Insurance Partner will contact you, provide a quote, offer coverage or offer any particular price or savings. Partner availability varies by state and by profile. If we are unable to match your request, we will let you know by email.
Insurance Partners are not our agents or employees. We are not responsible for their actions, quotes, advice or policies. Any insurance transaction is solely between you and the Insurance Partner or insurer.
5. Your responsibilities
- Provide accurate, current and complete information and update it if it changes. Inaccurate information can change a quote or affect a policy.
- Use the Service only to request quotes for yourself or for another adult who has given you permission.
- Do not submit false, misleading or unlawful information, and do not include driver's license numbers, Social Security numbers, VINs or payment details in our forms. Give those directly to a licensed Insurance Partner.
- Do not use the Service to solicit Insurance Partners, to test the Service, to harvest data or for any purpose other than obtaining quotes.
- Do not interfere with the Site, access it by automated means without our permission or try to get around its security measures.
6. Consent to be contacted
By submitting a request and checking the required consent box, you give your express written consent for AutoAssures.com and matched Insurance Partners, including their staff, to contact you about auto insurance quotes and related products at the phone number and email address you provided. Contact may be by live call, prerecorded or artificial-voice message, text message and email, including calls and texts placed with an automatic telephone dialing system, even if your number is on a federal, state or company do-not-call list.
This consent is not a condition of purchasing any goods or services; you may obtain quotes by contacting insurers directly. You may revoke consent at any time by emailing info@autoassures.com or by telling the caller. Revoking consent with us does not automatically revoke it with Insurance Partners who already received your request; you may need to tell them directly. You represent that you are the subscriber or customary user of the phone number you provide and that you will tell us if it changes.
7. No sharing of your data
AutoAssures.com does not sell, rent or share your personal information with third parties or affiliates for their marketing or promotional purposes. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. The information you submit in a rate request is used only by AutoAssures.com, as described in our Privacy Policy.
8. No coverage until a policy is issued
Submitting a request, receiving a quote or speaking with an Insurance Partner does not bind coverage or create insurance. Coverage begins only when an insurer issues a policy and its conditions, including payment, are met. Do not cancel your current coverage until replacement coverage has been confirmed in writing. We are not responsible for any gap in coverage or for losses that occur while you are uninsured.
9. Intellectual property and permitted use
The Site and its content, including text, graphics, illustrations, logos, page designs and software, are owned by AutoAssures.com or its licensors and are protected by copyright, trademark and other laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes.
You may not copy, reproduce, distribute, modify, create derivative works from, publicly display or otherwise exploit any part of the Site without our prior written permission. "AutoAssures" and its logo are our trademarks and may not be used without permission.
10. Disclaimer of warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
We do not warrant that the Service will be uninterrupted, error-free or secure, that a request will result in a quote or coverage, that any quote will be accurate or honored, or that any Insurance Partner will meet your needs. Information on the Site is general and may not apply to every situation or every state. Some states do not allow certain warranty exclusions, so some of these exclusions may not apply to you.
11. Limitation of liability and indemnification
TO THE FULLEST EXTENT PERMITTED BY LAW, AUTOASSURES.COM AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA OR GOODWILL, ARISING FROM OR RELATED TO THE SERVICE.
Our total liability for all claims related to the Service will not exceed one hundred U.S. dollars ($100). These limitations apply even if a remedy fails of its essential purpose. Some states do not allow the limitation of certain damages, so some of these limitations may not apply to you.
You agree to defend, indemnify and hold harmless AutoAssures.com and the parties listed above from any claims, damages, losses and expenses (including reasonable attorneys' fees) arising from your use of the Service, the information you submit or your breach of these Terms.
12. Dispute resolution, arbitration and class waiver
Informal resolution first. Before starting any formal proceeding, you agree to contact us at info@autoassures.com and give us 30 days to try to resolve the dispute informally.
Binding arbitration. Any dispute, claim or controversy arising out of or relating to these Terms or the Service that is not resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small claims court. The Federal Arbitration Act governs this section. An arbitrator's award may be entered in any court with jurisdiction. For consumer claims under $10,000, we will pay the filing and arbitrator fees unless the arbitrator finds the claim frivolous.
Class action and jury waiver. YOU AND WE EACH AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE OR REPRESENTATIVE PROCEEDING, AND EACH WAIVES THE RIGHT TO A JURY TRIAL.
Opt-out. You may opt out of this arbitration agreement by emailing info@autoassures.com with your name, phone number and the words "arbitration opt-out" within 30 days of first using the Service. Opting out does not affect any other part of these Terms.
Governing law and venue. These Terms are governed by the laws of the State of Iowa and applicable federal law, without regard to conflict-of-law rules. Subject to the arbitration agreement, any court proceeding will take place in the state or federal courts located in Iowa, and you consent to their jurisdiction.
13. Changes, termination and general terms
We may change these Terms at any time by posting a revised version with a new effective date. Material changes take effect 14 days after posting, or immediately for new users. Continued use after the effective date means you accept the changes. We may suspend or end your access to the Service at any time for any reason, including a breach of these Terms.
These Terms and our Privacy Policy are the entire agreement between you and us about the Service. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition or sale of assets. We may send you notices at the email address you provided. You may send notices to info@autoassures.com or to AutoAssures.com, 3500 8th St. SW #1025, Altoona, IA 50009.