Terms & Conditions

Agreement to Terms

By accessing or using SmartAutoPlans.com (the "Website") or calling our phone number, you agree to be bound by these Terms & Conditions. If you do not agree with these terms, please do not use our services.

Description of Service

SmartAutoPlans.com is an independent marketing and information service that connects consumers with licensed auto insurance providers. We are not an insurance company, agent, or broker. We do not provide insurance coverage directly.

Our services include:

• Providing information about auto insurance coverage options
• Connecting users with licensed insurance providers
• Facilitating quote requests from insurance partners
• Offering educational content about auto insurance

No Affiliation with Insurance Companies

SmartAutoPlans.com is not affiliated with, endorsed by, or sponsored by any specific insurance company. We maintain an independent network of licensed insurance providers who may offer quotes and coverage based on your individual needs.

Quote Accuracy and Availability

While we strive to provide accurate information:

• Insurance quotes and rates vary by provider, location, vehicle, and driver history
• Final rates may differ from initial quotes based on additional underwriting
• Not all insurance providers are available in all locations
• Coverage options and pricing are subject to change without notice
• Quotes are estimates and not guarantees of coverage or final pricing

Eligibility and Requirements

To use our services, you must:

• Be at least 18 years of age
• Have a valid driver's license
• Provide accurate and truthful information
• Be a resident of a state where our services are available
• Have the legal capacity to enter into insurance agreements

User Responsibilities

When using our services, you agree to:

• Provide accurate, complete, and current information
• Update your information as needed
• Not misrepresent yourself or provide false information
• Not use our services for any illegal or unauthorized purpose
• Comply with all applicable laws and regulations
• Maintain the confidentiality of any account credentials

Communication Consent

By using our services or providing your contact information, you expressly consent to:

• Receive calls, text messages, and emails from us and our authorized insurance partners
• Contact via automated telephone dialing systems and pre-recorded messages
• Communication for marketing and insurance-related purposes
• Sharing of your information with insurance providers for quote purposes

You may opt-out of communications at any time by contacting us or following unsubscribe instructions.

Intellectual Property

All content on SmartAutoPlans.com, including but not limited to:

• Text, graphics, logos, and images
• Software and website functionality
• Design elements and layout
• Trademarks and service marks

are the property of SmartAutoPlans.com or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.

Disclaimers and Limitations of Liability

Our services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information
• Uninterrupted or error-free service

Limitation of Liability: To the fullest extent permitted by law, SmartAutoPlans.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising from:

• Your use or inability to use our services
• Any insurance coverage or lack thereof obtained through our services
• Actions of third-party insurance providers
• Errors or omissions in information provided
• Unauthorized access to your personal information

Third-Party Links and Services

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

• The content, privacy practices, or terms of third-party sites
• Products or services offered by third parties
• Actions or omissions of third-party insurance providers
• The accuracy of information on external sites

Insurance Provider Relationships

Your relationship with any insurance provider is separate and independent from SmartAutoPlans.com. We:

• Do not control or influence insurance provider decisions
• Are not responsible for coverage denials or claim disputes
• Do not guarantee acceptance of your insurance application
• Are not liable for the acts or omissions of insurance providers

Pricing and Payment

Our quote comparison service is free to users. However:

• Insurance premiums and fees are set by individual insurance providers
• You are responsible for all payments directly to your chosen insurance provider
• We may receive compensation from insurance providers in our network
• Prices and coverage options are subject to provider terms

Indemnification

You agree to indemnify, defend, and hold harmless SmartAutoPlans.com, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:

• Your use of our services
• Your violation of these Terms & Conditions
• Your violation of any law or third-party rights
• Any information you provide to us or insurance providers

Modification of Terms

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

Termination

We reserve the right to terminate or suspend your access to our services at any time, without notice, for:

• Violation of these Terms & Conditions
• Fraudulent or illegal activity
• Providing false or misleading information
• Any reason we deem appropriate

Governing Law and Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of the United States and the state in which SmartAutoPlans.com operates, without regard to conflict of law principles.

Any disputes arising from these terms or use of our services shall be resolved in the appropriate courts of that jurisdiction.

Severability

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

Entire Agreement

These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and SmartAutoPlans.com regarding the use of our services.

Contact Information

If you have questions about these Terms & Conditions, please contact us:

• Phone: 1- 877-959-8830
• Address: Smart Auto Plans Customer Service

Acceptance of Terms

By using SmartAutoPlans.com or calling our phone number, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy.

If you do not agree to these terms, you must immediately discontinue use of our services.