Terms & Conditions
The terms that apply when you use our website and request a quote.
Draft for review. This page is a starting template. Have it reviewed and completed by the business owner and a qualified insurance or legal professional before launch. Items marked like this need your information.
Effective date: [Month Day, Year]
These Terms & Conditions govern your use of lowcostinsurance.pro (the "Site"), operated by Low Cost Insurance ([legal business name]). By using the Site you agree to these terms.
Who We Are
Low Cost Insurance is an independent insurance agent. We are not an insurance company. Insurance policies are issued by insurance carriers, which make all decisions about eligibility, pricing, coverage, and claims.
No Guarantee of Coverage or Price
Submitting a quote request does not create an insurance policy or bind coverage. We do not guarantee that you will receive a quote, that any carrier will offer you coverage, or that you will receive any particular price, discount, or savings. Coverage is not in force until a carrier confirms it in writing.
Information on This Site
Content on the Site is general information about auto insurance and is not legal, financial, or professional advice for your specific situation. Coverage descriptions are summaries. Your actual coverage is governed by the terms, conditions, and exclusions of the policy issued by the carrier.
Carrier Names
Carrier names mentioned on the Site are trademarks of their respective owners and are used only to identify carriers we may be able to quote. Their mention does not imply affiliation, sponsorship, or endorsement unless specifically stated. Carrier availability varies by state and eligibility.
Your Responsibilities
You agree to provide accurate and complete information. Inaccurate information can affect the quotes you receive or the validity of a policy. You agree not to misuse the Site, submit false requests, or attempt to interfere with its operation.
Communications
By submitting a form, you agree that we may contact you about your request by the method you choose. Consent to automated calls or text messages is optional and not a condition of purchase. Reply STOP to opt out of texts.
Licensing and Availability
We provide insurance services only in states where our agency is licensed. Information on the Site is not an offer to sell insurance in any state where we are not licensed.
Limitation of Liability
To the fullest extent permitted by law, Low Cost Insurance is not liable for any indirect, incidental, or consequential damages arising from your use of the Site. [Have counsel review this section.]
Governing Law
These terms are governed by the laws of [state], without regard to conflict-of-law rules.
Changes
We may update these terms at any time by posting a revised version on this page.
Contact
Questions about these terms? Call (888) 374-0221.