1. Acceptance of terms
By accessing or using our website, submitting a quote request, or contacting us, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use our website or services.
2. About our service
US Auto Insurance helps drivers compare auto insurance coverage options and connects them with licensed insurance carriers and agents. We do not issue policies, underwrite risk, bind coverage, or act as an insurer. Any policy you purchase is a contract between you and the issuing carrier, governed by that carrier's terms and applicable state law.
3. Eligibility
You must be at least 18 years old and a resident of the United States to use our services. By using the site, you represent that you meet these requirements and that the information you provide is truthful and accurate.
4. Quotes are estimates
Any rates, quotes, or coverage figures shown or discussed are estimates for comparison purposes only. They are not an offer of insurance or a guarantee of coverage or price. Final rates, terms, eligibility, and availability are determined by the insurance carrier at the time of enrollment and may vary based on your state, driving history, and other underwriting factors.
5. Consent to be contacted
When you submit your information through our forms or contact us, you authorize US Auto Insurance and the carriers or agents we work with to contact you by phone, text message, and email at the contact details you provide, including through automated technology, regarding insurance quotes and related offers.
6. Your responsibilities
- Provide accurate, current, and complete information when requesting a quote
- Use the website only for lawful purposes and in line with these Terms
- Do not attempt to disrupt, damage, or gain unauthorized access to our systems
- Do not submit another person's information without their permission
7. Carriers and third parties
Our website may reference or link to insurance carriers and other third parties. We do not control and are not responsible for their products, services, content, or privacy practices. Company and product names shown on our website are the property of their respective owners and are used for identification only. Their appearance does not imply endorsement beyond any active partnership.
8. Intellectual property
The content on this website, including text, graphics, logos, and design, is owned by or licensed to US Auto Insurance and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission.
9. Disclaimer of warranties
Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error free, or free of harmful components, or that any quote will result in a specific rate or savings.
10. Limitation of liability
To the fullest extent permitted by law, US Auto Insurance and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of or inability to use the website or services, even if we have been advised of the possibility of such damages.
11. Indemnification
You agree to indemnify and hold harmless US Auto Insurance and its affiliates from any claims, losses, liabilities, and expenses, including reasonable legal fees, arising out of your use of the website, your violation of these Terms, or your violation of any rights of a third party.
12. Governing law
These Terms are governed by the laws of the State of Florida, without regard to its conflict of law rules. Any dispute arising from these Terms or your use of the website will be subject to the exclusive jurisdiction of the state and federal courts located in Florida.
13. Changes to these terms
We may update these Terms from time to time. When we do, we will revise the effective date above. Your continued use of the website after changes take effect means you accept the updated Terms.