Terms of Service

Last Updated: January 21, 2026

1. Acceptance of Terms

By accessing and using AffordableRideInsurance ("the Website"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Website.

2. Description of Service

AffordableRideInsurance is an insurance comparison service that helps users compare auto insurance quotes from multiple providers. We are NOT an insurance company and do not sell insurance directly. We act as an intermediary connecting users with licensed insurance providers.

2.1 Our Role

• We provide information and tools to help you compare insurance options
• We connect you with licensed insurance providers and agents
• We do not make coverage decisions or handle claims
• We are not responsible for the terms, conditions, or pricing of insurance policies offered by providers

3. User Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have the legal capacity to enter into binding contracts
• Provide accurate and truthful information

4. User Obligations

4.1 Accurate Information

You agree to:

• Provide accurate, current, and complete information
• Update information as needed to maintain accuracy
• Not impersonate any person or entity
• Not provide false or misleading information

4.2 Acceptable Use

You agree NOT to:

• Use the Website for any illegal purpose
• Violate any local, state, federal, or international law
• Transmit viruses, malware, or harmful code
• Attempt to gain unauthorized access to our systems
• Scrape, copy, or download content without permission
• Interfere with the proper functioning of the Website
• Use automated systems to access the Website without authorization

5. Quote Requests and Partner Contacts

5.1 Submitting Quote Requests

When you submit a quote request:

• Your information will be shared with insurance partners
• Partners may contact you via phone, email, or mail
• You consent to receive marketing communications from partners
• Quotes are estimates and not guarantees of coverage or pricing
• Final rates depend on underwriting and verification

5.2 Communication Consent

By providing your contact information, you consent to receive:

• Insurance quotes and offers from our partners
• Follow-up communications regarding your quote request
• Marketing and promotional materials (with opt-out option)
• Calls and texts, including through automated technology

6. Intellectual Property

6.1 Our Content

All content on the Website, including text, graphics, logos, images, and software, is the property of AffordableRideInsurance or its licensors and is protected by copyright and trademark laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or publicly display our content
• Create derivative works
• Use content for commercial purposes
• Remove copyright or proprietary notices

7. Disclaimers

7.1 No Insurance Advice

IMPORTANT: We provide information for comparison purposes only. We do NOT provide insurance advice, recommendations, or endorsements. You should:

• Conduct your own research and due diligence
• Read policy documents carefully before purchasing
• Consult with licensed insurance professionals
• Verify all information with insurance providers

7.2 Information Accuracy

While we strive to provide accurate information:

• Information may be outdated or contain errors
• We are not responsible for inaccuracies in partner-provided information
• Rates and coverage details are subject to change
• State requirements and regulations vary and change frequently

7.3 "As Is" Basis

THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We are not liable for any indirect, incidental, special, or consequential damages
• We are not liable for damages resulting from use or inability to use the Website
• We are not liable for actions or omissions of insurance providers
• Our total liability shall not exceed $100 or the amount you paid us (if any)

9. Indemnification

You agree to indemnify and hold harmless AffordableRideInsurance, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any rights of another party
• Inaccurate information you provide

10. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for:

• Content on third-party websites
• Privacy practices of third parties
• Products or services offered by third parties

Your use of third-party websites is at your own risk and subject to their terms and conditions.

11. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Website after changes constitutes acceptance of the modified Terms.

13. Termination

We may terminate or suspend your access to the Website at any time, without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Any reason at our sole discretion

14. Governing Law

These Terms are governed by the laws of the United States and the state in which our company is registered, without regard to conflict of law principles.

15. Dispute Resolution

15.1 Informal Resolution

Before filing a claim, you agree to contact us to attempt informal resolution of any dispute.

15.2 Arbitration

Any dispute arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court, except for small claims court matters.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and AffordableRideInsurance regarding use of the Website.

18. Contact Information

For questions about these Terms, please contact us:

• Email: legal@affordablerideinsurance.com
• Phone: 1-800-INSURE-NOW
• Mail: AffordableRideInsurance Legal Department, [Address]