Auto Insurance

Terms and Conditions

Effective Date: 05.05.2025

1. Acceptance of Terms

By accessing or using the QuoteKings.com and services (collectively, the “Site”), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”). These Terms constitute a legally binding agreement between you and QuoteKings (“Company,” “we,” “us,” or “our”). If you do not agree with any part of these Terms, you must discontinue use of the Site immediately. Your use of the Site is also subject to our Privacy Policy, which is incorporated herein by reference, and by using the Site you consent to the data practices described in it. These Terms apply to all users of our Site and services.

2. Description of Services

QuoteKings operates as a lead aggregator in the fields of auto insurance, home insurance, and health insurance. Our Site provides a platform through which consumers can request insurance quotes or information, and we collect these requests (leads) to share or sell to third-party insurance providers, agents, brokers, or other affiliated partners (“Service Providers”). We do not sell insurance products or services directly. You understand and agree that QuoteKings is not an insurance company, broker, or agent, and we do not underwrite insurance policies, bind coverage, or provide insurance or financial advice. Our role is strictly limited to connecting you with Service Providers who may offer quotes or insurance services based on the information you provide. We do not guarantee that you will receive any quotes, offers, or coverage by using our Site, and any quotes or services offered are solely the responsibility of the respective Service Providers.

3. User Eligibility and Authorized Use

You must be at least 18 years old (or the legal age of majority in your state of residence, if higher) to use this Site. By using the Site, you represent and warrant that you are 18 or older and a legal resident of the United States. The Site and services are intended for use only by U.S. residents seeking insurance information for personal, household, or family purposes. You agree to use the Site for personal, non-commercial use only and in compliance with all applicable federal, state, and local laws and regulations.

When submitting information or otherwise interacting with our Site, you agree to: (a) provide truthful, accurate, current, and complete information about yourself; and (b) maintain and promptly update such information if it changes. Unauthorized or prohibited uses: You agree not to engage in any of the following conduct:

  • Provide false or misleading information: Do not submit information that is untrue, inaccurate, or not your own.
  • Illegal or harmful activities: Do not use the Site for any unlawful purpose, or to solicit the performance of any illegal activity. You shall not use the Site to harass, abuse, or harm another person or entity.
  • Interference with the Site: Do not disrupt, interfere with, or compromise the security or functionality of the Site or our networks. This includes not transmitting any viruses or harmful code, and not attempting to gain unauthorized access to any systems or data.
  • Data scraping or harvesting: Do not collect or harvest personal data or information about other users of the Site. You shall not use any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission.
  • Commercial use or resale: Do not reproduce, duplicate, copy, sell, trade, or resell any portion of the Site or its content for commercial purposes without authorization. You may not use the communication facilities of the Site to send unauthorized advertising or solicitations.

Violation of any of the above may result in termination of your right to use the Site (see Section 14 below) and may subject you to legal consequences. We reserve the right, in our sole discretion, to suspend or terminate access for users who engage in prohibited conduct or violate these Terms.

4. Personal Information & Privacy

To request insurance quotes or information through our Site, you will be required to provide personal information (such as your name, address, email, phone number, and other contact or demographic details) by filling out online forms. You agree that any personal information you provide is governed by our Privacy Policy, which explains how we collect, use, store, and share your information. By submitting your personal information, you authorize QuoteKings to share that information with relevant Service Providers (insurance agents, brokers, carriers, and other third parties) for the purpose of providing you with insurance quotes, products, or services. We will only use and disclose your personal information as described in our Privacy Policy and these Terms. Please review our Privacy Policy for more details on our data practices.

You acknowledge that communications over the internet are never completely private or secure, and that any information you send through the Site may be read or intercepted by others, even if there is a special notice that a particular transmission (for example, of payment information) is encrypted. You are responsible for maintaining the confidentiality of any account information or login credentials (if applicable) and for all activities that occur under your account.

5. Consent to Be Contacted

By submitting your contact information through the Site (for example, by requesting an insurance quote or clicking “Submit” on a lead form), you expressly consent and request that QuoteKings and the Service Providers contact you regarding the insurance products or services you inquired about. This means you agree that such third parties and QuoteKings may reach out to you by telephone, text/SMS message, email, or other means using the contact information you provided, even if your phone number is listed on any federal or state Do Not Call registry. You authorize these calls or texts to be delivered using an automatic telephone dialing system or prerecorded voice messages. Message and data rates may apply to any text messages. Your consent to be contacted is not required as a condition to purchase any good or service; if you do not wish to be contacted by phone or text, please do not submit your phone number through our Site.

By providing your information and agreeing to these Terms, you also consent to the sharing of your information with our network of Service Providers and affiliated companies for the purpose of fulfilling your request and for limited marketing purposes. You understand that once your information is shared with a particular Service Provider, the use of your information by that provider will be subject to their own privacy policies and practices. QuoteKings does not control how a Service Provider may contact you or use your information after it is provided. If you wish to revoke your consent to be contacted for marketing purposes, or if you no longer wish to receive communications, you may follow any opt-out instructions provided by the specific caller/sender or contact us as described in the Privacy Policy.

Notice: By submitting a request, you acknowledge and agree that Service Providers may need to collect additional information about you to provide accurate quotes (for example, they may access your consumer reports, credit history, or driving record as permitted by law). These additional checks, if conducted, are solely for the purpose of providing you with insurance offers and are carried out by the Service Providers in accordance with applicable laws.

6. No Insurance Services or Professional Advice

All information, content, and services provided on the Site are for informational and lead-generation purposes only. QuoteKings is not an insurance carrier or licensed insurance agency, and we do not provide insurance policy recommendations, underwriting, or any form of professional financial, legal, or insurance advice. Any decisions you make regarding insurance products should be based on your own judgment and, if needed, after consulting with licensed professionals (such as insurance agents, brokers, or financial advisors) who can take into account your specific circumstances. While we may provide general information about insurance or facilitate communication with Service Providers, no content on our Site should be construed as a guarantee of coverage, rate, or outcome.

We do not endorse or recommend any particular insurance company, agent, or policy. The appearance of any insurance provider or the offering of quotes via our Site does not constitute a sponsorship, recommendation, or approval by QuoteKings of that provider. It is your sole responsibility to evaluate and compare insurance options, and to verify the suitability, licensing, and qualifications of any Service Provider before purchasing a policy. You assume full responsibility for any decisions you make regarding insurance products. QuoteKings will not be a party to any agreement or transaction between you and any insurance provider, and any contract for insurance will be solely between you and the chosen provider.

7. Third-Party Service Providers and No Liability for Their Services

When you use our lead generation services, you may be matched with third-party Service Providers (insurance agents, brokers, companies, or other affiliates) who can offer you insurance quotes or services. Any interactions, communications, or transactions that occur between you and a Service Provider are solely between you and that third party. QuoteKings does not guarantee that you will be matched with a provider or that any provider will be able to meet your needs. If you are matched, any quotes, terms, fees, premiums, coverage details, or other offers are provided by the Service Provider and not by QuoteKings. We do not control the content, quality, safety, legality, or suitability of any products or services offered by Service Providers.

You acknowledge and agree that Service Providers are solely responsible for any services or products they may provide to you, and for any representations or promises they make. QuoteKings is not responsible or liable for: (a) any acts, errors, or omissions of any Service Provider; (b) the content of any communications from Service Providers or the terms of any offer or policy they present; or (c) any transactions, claims, damages, or losses of any kind that arise out of your dealings with Service Providers. If you decide to purchase insurance or any other product from a Service Provider, you do so at your own risk, and any agreement will be between you and that provider. You release QuoteKings from any and all liability arising from or related to the products or services provided by any such third party.

Please note that Service Providers may have their own terms and conditions and privacy policies. We encourage you to review any Service Provider’s policies before engaging in any transaction. QuoteKings is not responsible for the content or practices of websites operated by third parties, even if they are linked to or from our Site. Links to third-party sites or information are provided solely for convenience, and the inclusion of any link does not imply an endorsement or recommendation by us.

8. Intellectual Property Rights

All content and materials on the Site – including but not limited to text, graphics, logos, button icons, images, audio clips, video, data compilations, software, and the compilation and arrangement of such content – are the property of QuoteKings or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws. QuoteKings owns and retains all rights, title, and interest in the Site and its content, including our trademarks, service marks, logos, and brand names. You do not acquire any ownership rights by using the Site or by copying or downloading material from the Site.

Limited License: Subject to your compliance with these Terms, QuoteKings grants you a limited, non-exclusive, non-transferable, revocable license to access and make personal, non-commercial use of the Site and its content. This allows you to view information on our Site for your own use, provided that you do not: (a) remove or obscure any copyright, trademark, or other proprietary notices displayed on the content; (b) modify or create derivative works of the content; or (c) copy, distribute, publicly display, or perform the content except as permitted by us in writing.

Any use of the Site or content beyond what is expressly authorized in these Terms is strictly prohibited. You may not reproduce, publish, transmit, reverse-engineer, decompile, disassemble, or otherwise exploit the Site or any content or software on the Site for any commercial purpose without our prior written consent. If you provide QuoteKings with any feedback, suggestions, or ideas regarding the Site or our services (“Feedback”), you agree that we may use and implement such Feedback without compensation or attribution to you, and that you grant us a perpetual, irrevocable, worldwide license to incorporate and use the Feedback for any purpose.

All trademarks and logos displayed on the Site are the registered or unregistered marks of QuoteKings or third parties. You are not granted any right or license to use any trademarks by these Terms. Unauthorized use of the Site or its content may violate intellectual property laws and will constitute a breach of these Terms.

9. Disclaimer of Warranties

The Site and all information, content, and services provided through it are offered on an “AS IS” and “AS AVAILABLE” basis. QuoteKings disclaims all warranties and representations of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade. We make no guarantee that the Site or services will meet your requirements or expectations, or that access to the Site will be uninterrupted, timely, secure, or error-free.

QuoteKings does not warrant that the information or content on the Site is accurate, complete, reliable, or current. While we strive to keep information up to date, we make no representation or warranty concerning the accuracy or completeness of any information, including insurance rates, quotes, or other data obtained through the Site. We do not warrant that the Site, its servers, or any email sent from us are free of viruses or other harmful components. You are responsible for implementing procedures sufficient to satisfy your own requirements for data backup and security.

Any material downloaded or otherwise obtained through the use of the Site is accessed at your own discretion and risk. No advice or information, whether oral or written, obtained by you from QuoteKings or through the Site shall create any warranty not expressly stated in these Terms. This disclaimer of warranty is a fundamental part of the agreement between you and QuoteKings. Some jurisdictions may not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such cases, any implied warranties are limited to the minimum scope and duration permitted by applicable law.

10. Limitation of Liability

To the fullest extent permitted by law, in no event shall QuoteKings or its officers, directors, employees, shareholders, affiliates, agents, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits or revenues, loss of business, loss of goodwill, loss of data, or other intangible losses, arising out of or in connection with your access to or use of (or inability to use) the Site or the services, even if advised of the possibility of such damages. This limitation of liability applies to all claims, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory.

In particular, QuoteKings shall not be liable for any damages or losses resulting from: (a) your use of or reliance on any information obtained through the Site; (b) unauthorized access to or alteration of your transmissions or data; (c) any actions or content of third parties, including Service Providers, that you access through the Site; or (d) any other matter relating to the Site and services. We are not responsible for any liability arising from any agreements or transactions between you and any Service Providers, or from any insurance policies you may obtain through the use of our Site.

If, notwithstanding the other provisions of these Terms, QuoteKings is found to be liable to you for any damage or loss arising out of or related to your use of the Site or any services, our total cumulative liability shall in no event exceed the greater of: (i) the amount (if any) you paid to QuoteKings for the services in the prior three (3) months; or (ii) USD $100.00. The existence of more than one claim will not enlarge this limit. You agree that this limitation of liability is an agreed allocation of risk between you and us and forms a basis of the bargain, and that we would not provide the service without such limitations.

Because some states do not allow the exclusion or limitation of certain damages, the above limitation may not apply to you. In such states, QuoteKings’s liability will be limited to the maximum extent permitted by applicable law.

11. Indemnification

You agree to indemnify, defend, and hold harmless QuoteKings and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees and costs) arising out of or in any way connected with: (a) your access to or use of the Site or services; (b) your violation of any law or regulation or the rights of any third party; or (c) your breach of these Terms. QuoteKings reserves the right, at your expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with QuoteKings in asserting any available defenses. You agree not to settle any such matter without the prior written consent of QuoteKings. This indemnification obligation will survive termination of your use of the Site and services.

12. Dispute Resolution & Arbitration

PLEASE READ THIS SECTION CAREFULLY. It affects your legal rights, including your right to file a lawsuit in court and to have disputes heard by a judge or jury. By agreeing to these Terms, you and QuoteKings agree to resolve any disputes between us through binding arbitration on an individual basis, rather than in court.

  • Arbitration Agreement: In the event of any controversy, claim, or dispute arising out of or relating to these Terms or your use of the Site or our services (a “Dispute”), you and QuoteKings agree to resolve the Dispute **exclusively through final and binding arbitration, except as provided below. This agreement to arbitrate is governed by the Federal Arbitration Act (FAA) and evidences a transaction in interstate commerce. Arbitration means that the dispute will be resolved by a neutral arbitrator instead of in a court by a judge or jury.
  • Class Action Waiver: All Disputes will be resolved on an individual basis only. You and QuoteKings waive any right to bring or participate in a class action, consolidated, multi-plaintiff, or representative action regarding any Dispute. The arbitrator shall have no authority to consolidate or join the claims of different individuals or parties, nor shall the arbitrator have the authority to hear any class or representative action. You acknowledge that this class action waiver is material and essential to the arbitration of any disputes between the parties and is non-severable from this agreement to arbitrate.
  • Arbitration Procedures: The arbitration will be administered by a reputable arbitration organization (such as the American Arbitration Association, “AAA”) in accordance with its applicable rules and procedures. If for any reason the AAA is not available, the parties shall agree on an alternative arbitration forum. The arbitration shall take place in a mutually convenient location or, if the parties cannot agree, in the county of QuoteKings’s principal business location. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person as permitted by the rules of the arbitration forum. Each party is responsible for their own arbitration fees and costs, consistent with the arbitration rules and applicable law. The arbitrator will apply applicable law and the provisions of these Terms, and will have authority to award legal and equitable relief (including injunctions) consistent with these Terms. The arbitrator will provide a reasoned written decision if requested by either party. Judgment on the arbitration award may be entered in any court having jurisdiction.
  • Exceptions: Notwithstanding the foregoing, either party may bring an individual action in small claims court if the claims qualify. In addition, both you and QuoteKings retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights.
  • Opt-Out Right: You have the right to opt out of this arbitration agreement by sending QuoteKings written notice of your decision to opt out within 30 days of first accepting these Terms. Such notice must include your name, address, and email used for our services, and an explicit statement that you wish to opt out of arbitration. The notice should be sent to QuoteKings’s notice address (provided in the “Contact Us” or legal notice section of the Site). If you opt out, or if this arbitration agreement is found unenforceable, any disputes will be resolved in the state or federal courts in the jurisdiction specified in Section 13 (Governing Law & Jurisdiction), and you consent to personal jurisdiction and venue in those courts.

YOU UNDERSTAND THAT, ABSENT THIS ARBITRATION AGREEMENT, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. YOU FURTHER UNDERSTAND THAT, IN SOME INSTANCES, THE COSTS OF ARBITRATION COULD EXCEED THE COSTS OF LITIGATION, AND THE RIGHT TO DISCOVERY MAY BE MORE LIMITED IN ARBITRATION THAN IN COURT. By entering into this Agreement, you expressly waive your right to a trial by jury and right to participate in a class action for all Disputes, to the maximum extent permitted by law.

13. Governing Law & Jurisdiction

These Terms and any Dispute arising out of or related to them or the use of the Site shall be governed by the laws of the United States and the laws of the State of [BRAND NAME’s principal place of business], without regard to its conflict of law principles. Subject to the arbitration agreement above, you agree that any non-arbitrable legal action (or, if you validly opt out of arbitration, any legal action) shall be filed and adjudicated in the state or federal courts located in [specified State or jurisdiction], and you consent to the exclusive jurisdiction of such courts. You also agree to waive any objections based on inconvenient forum or jurisdiction. If you reside in a state that does not permit the choice of law or forum as stated here, then applicable law and jurisdiction will be determined according to your state’s laws.

The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms. Note that the use of our Site is intended only for users within the United States; we make no representations that the Site is appropriate or available for use in other locations. Those who access the Site from outside the U.S. do so on their own initiative and are responsible for compliance with local laws.

14. Modifications to Terms and Site

Changes to Terms: QuoteKings reserves the right to change, modify, or update these Terms at any time. We will notify users of any material changes by posting the updated Terms on our Site, and updating the “Effective Date” at the top of this document. It is your responsibility to review these Terms periodically for any changes. Your continued use of the Site after any modifications to the Terms constitutes acceptance of those changes. If you do not agree to the revised Terms, you must stop using the Site.

Changes to Site/Services: We also reserve the right to modify, suspend, or discontinue any part of our Site or the services we offer, at any time and without notice. This may include adding or removing features, changing the scope of services, or discontinuing certain insurance verticals or partner relationships. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Site or any services. All new features or tools added to the Site shall be subject to these Terms unless stated otherwise.

15. Termination of Use

These Terms will remain in full force and effect while you use the Site or our services. You may discontinue your use of the Site at any time. QuoteKings may, in its sole discretion, terminate or suspend your access to the Site or any portion of the services at any time, with or without notice, and for any reason (including, without limitation, your failure to comply with these Terms or if we suspect fraud or misuse). Upon any termination of your access, your right to use the Site will immediately cease.

The following provisions will survive termination of these Terms (and any termination of your use of the Site): any obligations to pay amounts owed, any rights or liabilities which by their nature should survive (such as ownership provisions, warranty disclaimers, indemnities, and limitations of liability), as well as the dispute resolution, arbitration agreement, and governing law provisions of these Terms.

16. Miscellaneous Provisions

Entire Agreement: These Terms (including any documents incorporated by reference, such as our Privacy Policy) constitute the entire agreement between you and QuoteKings regarding your use of the Site, and supersede any prior or contemporaneous agreements, communications, or understandings between us relating to the subject matter herein. No oral or written information or advice given by QuoteKings, its representatives, or any third party shall create any warranties or obligations that are not expressly stated in these Terms.

Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or other tribunal of competent jurisdiction, that provision shall be enforced to the maximum extent permissible and the remaining provisions of these Terms will remain in full force and effect. The invalid provision will be deemed superseded by a valid, enforceable provision that closely matches the intent of the original provision.

No Waiver: No failure or delay by QuoteKings in exercising any right, power, or remedy under these Terms shall operate as a waiver of that or any other right, power, or remedy. Similarly, our waiver of any breach of these Terms will not constitute a waiver of any prior, concurrent, or subsequent breach. Any waiver must be in writing to be effective, and will be limited to the specific instance and purpose stated.

Assignment: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. QuoteKings may freely assign these Terms, in whole or in part, to any affiliate or in connection with a merger, acquisition, restructuring, or sale of assets, or by operation of law or otherwise. These Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

Relationship of Parties: No joint venture, partnership, employment, or agency relationship exists between you and QuoteKings as a result of these Terms or your use of the Site. You do not have any authority of any kind to bind QuoteKings in any respect whatsoever.

Headings: Section titles or headings in these Terms are for convenience only and have no legal or contractual effect.

Notices: Where QuoteKings requires that you provide an email address, you are responsible for providing QuoteKings with your most current email address. In the event that the last email address you provided is not valid or capable of receiving notices, our dispatch of an email containing such notice will nonetheless constitute effective notice. You consent to receive communications from us electronically. We may provide notices to you by email, via the Site, or by written communication sent by first class mail or pre-paid post to your address on record (if provided).

If you have any questions or concerns about these Terms or the Site, or need to provide legal notice to us, you may contact QuoteKings using the contact information provided on our Site (e.g., through our “Contact Us” page).

By using the Site, you acknowledge that you have read these Terms and agree to be bound by them. Thank you for using QuoteKings – we appreciate your trust and will strive to connect you with quality insurance service providers while protecting your rights and information.