These Terms of Use (the "Terms") govern your access to and use of discountautorates.org (the "Site") and the services offered on it (the "Services"), operated by DiscountAutoRates ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Site.
1. Nature of the Services
DiscountAutoRates is a free insurance comparison and referral service. We are not an insurance company, agency, or broker; we do not issue policies, bind coverage, provide insurance advice, or make underwriting decisions. All quotes, policies, and insurance advice are provided by licensed third-party insurance carriers, agencies, and agents ("Partners"). Any rates displayed are estimates only; final premiums are determined by the issuing carrier based on your complete application. Not all products are available in all states.
2. Eligibility
The Site is intended for residents of the United States who are at least 18 years of age. By using the Site, you represent that you meet these requirements and that all information you submit is accurate and about yourself or a person who has authorized you to act on their behalf.
3. Consent to be contacted
By submitting a quote request, you consent to receive calls, text messages, and e-mails from us and our Partners regarding your inquiry, as described in our Privacy Policy. Such communications may be recorded and may be made using automated technology or prerecorded/artificial voices, even if your number is on a federal or state Do Not Call registry. Consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time by following the instructions provided in the communication or by contacting us.
4. Compensation disclosure
The Services are free to consumers. We may receive compensation from Partners when we refer you to them or when you interact with their offers. This compensation may influence which Partners appear on the Site and where, but it never affects the premium you are quoted by a carrier.
5. Acceptable use
You agree not to use the Site to submit false or misleading information; to interfere with or disrupt the Site or its infrastructure; to scrape, harvest, or copy content or data by automated means; to attempt to gain unauthorized access to any systems; or to use the Site for any unlawful purpose.
6. Intellectual property
The Site and its content, including text, graphics, logos, and software, are owned by or licensed to DiscountAutoRates and are protected by copyright, trademark, and other laws. You may use the Site for personal, non-commercial purposes only. Carrier names and logos, where shown, are the property of their respective owners and appear for identification purposes only.
7. Third-party sites and services
The Site may contain links to third-party websites and services, including Partner sites. We do not control and are not responsible for their content, policies, or practices. Your dealings with any Partner, including the purchase of any insurance policy, are solely between you and that Partner.
8. Disclaimer of warranties
The Site and Services are provided "as is" and "as available," without warranties of any kind, 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 secure, or that any quote or rate will be available to you.
9. Limitation of liability
To the fullest extent permitted by law, DiscountAutoRates and its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of the Site or Services, or any insurance product obtained through a Partner.
10. Indemnification
You agree to indemnify and hold harmless DiscountAutoRates from any claims, damages, and expenses (including reasonable attorneys' fees) arising out of your violation of these Terms or your misuse of the Site.
11. Changes to these Terms
We may update these Terms from time to time by posting the revised version on the Site with a new "Last updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
12. Contact
Questions about these Terms? Reach us through the Contact page.