Last Updated: January 2025
Welcome to Auto CoverageSaver ("Company," "we," "us," or "our"). By accessing or using our website located at autocoveragesaver.com (the "Site") or any of our services, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and all applicable laws and regulations.
IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS SITE OR OUR SERVICES. Your continued use of the Site constitutes your acceptance of these Terms and any updates or modifications thereto.
Auto CoverageSaver provides an online platform that connects consumers seeking auto insurance with licensed insurance carriers, agents, and marketing partners. We are NOT an insurance company and do not sell, underwrite, or bind insurance policies. We act solely as a lead generation service that facilitates connections between consumers and insurance providers.
By submitting your information through our Site, you authorize us to share your information with our network of insurance partners who may contact you via telephone, email, SMS/text message, or mail with insurance quotes and related offers.
By using our services, you represent and warrant that:
By providing your contact information, you expressly consent to receive communications from us and our partners through electronic means, including but not limited to email, SMS/text messages, and telephone calls (including calls made using an automatic telephone dialing system or prerecorded voice). You understand that your consent is not a condition of purchasing any goods or services and that you may revoke your consent at any time. For SMS communications, please refer to our SMS Policy.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
You and Auto CoverageSaver agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or our services (collectively, "Disputes") will be resolved exclusively through final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules.
Arbitration Procedures: The arbitration shall be conducted by a single neutral arbitrator in accordance with the AAA's rules. The arbitration shall take place in the county of your residence or, at your election, may be conducted via telephone or video conference. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Costs: Each party shall bear its own costs and attorney's fees. If you demonstrate that arbitration costs are prohibitive compared to litigation costs, we will pay as much of your filing and hearing fees as the arbitrator deems necessary.
Opt-Out: You may opt out of this arbitration agreement by sending written notice to contact@autocoveragesaver.com within 30 days of first using our services. Your notice must include your name, address, and a clear statement that you wish to opt out of arbitration.
YOU AND AUTO COVERAGESAVER AGREE THAT ANY PROCEEDINGS TO RESOLVE DISPUTES WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.
You waive any right to participate as a plaintiff or class member in any purported class action, collective action, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.
THE SITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL AUTO COVERAGESAVER, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).
You agree to indemnify, defend, and hold harmless Auto CoverageSaver and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorney's fees) arising out of or relating to: (a) your use of the Site or services; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) any information you provide through the Site.
All content on the Site, including but not limited to text, graphics, logos, images, software, and the compilation thereof, is the exclusive property of Auto CoverageSaver or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our prior written consent.
The Site may contain links to third-party websites or services that are not owned or controlled by Auto CoverageSaver. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. You acknowledge and agree that we shall not be liable for any damage or loss caused by or in connection with use of any third-party content, goods, or services.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in Delaware.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
If you have any questions about these Terms of Service, please contact us at: