Please read these Terms of Service ("Terms") carefully before using instantcarinsure.com (the "Service"), operated by Instant Car Insure LLC ("we," "us," or "our"). By accessing or using the Service, you acknowledge that you have read, understood, and agreed to these Terms.
01 · Acknowledgment and Acceptance
By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not access or use the Service.
02 · We Are Not an Insurance Company
Important: Instant Car Insure is an independent online informational resource and advertising-supported publisher. We are not a licensed insurance provider, broker, or agent.
We do not issue insurance policies, bind coverage, verify driver records, or guarantee specific insurance rates. The estimates generated by our tool are based on algorithmic projections, historical data, aggregate market information, and the information you provide.
Our estimates are provided for informational and comparative purposes only. They do not constitute an offer of insurance, a binding quote, or a guarantee of coverage or pricing from any insurance carrier. Actual premiums and coverage decisions are determined by the insurance company through its own underwriting process.
03 · Use of the Estimation Tool
You agree to use the estimation tool responsibly and to provide information that is truthful and not deliberately misleading. You must not:
- Input false, fraudulent, or deliberately misleading information.
- Attempt to reverse-engineer, scrape, copy, or extract the algorithmic logic or proprietary pricing data used by the tool.
- Use the estimates as a substitute for official underwriting, policy documents, or a quote obtained directly from a licensed insurance carrier.
04 · Third-Party Links and Advertisements
The Service may contain links to third-party websites, including insurance carriers, comparison services, review sites, and other external resources. The Service may also display third-party advertisements, including advertising served through networks such as Google AdSense.
We do not control and are not responsible for the content, privacy practices, terms, availability, or services of third-party websites. Your interactions with an external website are governed by that provider's own terms and policies.
Important: Clicking a third-party advertisement or link may take you outside instantcarinsure.com. Review the destination site's terms and privacy policy before providing information or entering into a transaction.
05 · Intellectual Property
The Service and its original content, features, functionality, design elements, and associated materials, excluding content supplied by users or third-party advertising networks, are owned by or licensed to Instant Car Insure LLC and are protected by applicable intellectual-property laws.
Our trademarks, trade dress, branding, and logos may not be used in connection with any product or service without our prior written consent.
06 · Disclaimer and Limitation of Liability
The Service is provided for informational purposes. We do not warrant that an estimate is complete, current, or identical to the rate ultimately offered by an insurance carrier.
Articles on the Service are drafted with the help of AI tools, and the site's editor reviews and approves them before publication, as described on our Transparency page. Even so, we do not warrant that every article is free of errors or still current when you read it. Insurance rules, laws, and rates change, and the content is general information, not legal, financial, or insurance advice.
To the fullest extent permitted by applicable law, Instant Car Insure LLC, its directors, employees, partners, agents, suppliers, and affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, use, goodwill, or other intangible losses, arising from or related to your use of the Service.
- Your reliance on an estimate provided by this website.
- Your decision to purchase or not purchase an insurance policy based on information on the Service.
- Unauthorized access, use, or alteration of your transmissions or content.
- Any other matter relating to your access to or use of the Service.
07 · Indemnification
You agree to defend, indemnify, and hold harmless Instant Car Insure LLC and its officers, directors, employees, and agents from and against claims, liabilities, damages, losses, and expenses arising out of or connected with your access to or use of the Service or your violation of these Terms.
08 · Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict-of-law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
09 · Changes to These Terms
We may modify or replace these Terms when appropriate. If a revision is material, we will try to provide at least 30 days' notice before the revised Terms take effect. The determination of whether a change is material is made at our sole discretion.
10 · Contact Information
Questions about these Terms can be sent to us using the information below or through our Contact page.
Email: [email protected]