Terms & Conditions

Shop My Quote is an independent insurance comparison platform designed to help users compare insurance quotes from multiple carriers. By accessing and using our platform, you agree to comply with these Terms & Conditions and all applicable laws and regulations.

You agree to use our platform only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of the platform.

We reserve the right to refuse service, terminate accounts, or remove content at our sole discretion if we believe you have violated these terms or engaged in any unlawful activity.

Shop My Quote is not an insurance agent, broker, or insurance company. We do not sell insurance directly, nor do we have the authority to bind coverage or make coverage decisions on behalf of any insurance carrier.

Our platform is a comparison tool that connects you with licensed insurance carriers and their authorized agents. When you submit a quote request, your information is shared with insurance carriers so they can provide you with rate estimates and coverage options.

All insurance products, coverage terms, rates, and eligibility determinations are the sole responsibility of the insurance carriers. You should review all coverage details directly with the insurance carrier before purchasing any policy.

Shop My Quote may earn affiliate commissions or referral fees when you obtain insurance coverage through quotes generated on our platform. These commissions are paid by insurance carriers and do not increase the cost of your insurance premium.

Our receipt of commissions does not affect the quotes you receive or our recommendation process. We strive to provide fair and accurate comparisons regardless of commission structures.

We disclose our affiliate relationships in accordance with applicable regulations and industry standards.

All quotes provided through our platform are estimates only and do not guarantee coverage, pricing, or availability. Actual rates and coverage may vary based on additional underwriting, verification of information, and the insurance carrier's underwriting guidelines.

We do not guarantee the accuracy, completeness, or timeliness of any information provided on our platform. Quotes are subject to change at any time without notice.

You are responsible for providing accurate and complete information when requesting quotes. Any misrepresentation or omission of material facts may result in denial of coverage or cancellation of your policy.

Our platform is available only to individuals who are at least 18 years of age and are legal residents of the United States. By using our platform, you represent and warrant that you meet these eligibility requirements.

Certain insurance products and services may have additional eligibility requirements based on your state of residence, age, driving history, health status, or other factors.

We reserve the right to verify your eligibility and may request additional documentation to confirm your identity and residency status.

All content on our platform, including text, graphics, logos, images, and software, is the property of Shop My Quote or our content suppliers and is protected by international copyright laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our platform for personal, non-commercial purposes only.

Any unauthorized use of our platform or content may violate copyright, trademark, and other applicable laws and could result in civil and criminal liability.

We reserve the right to modify these Terms & Conditions at any time without prior notice. Your continued use of our platform following any modifications constitutes your acceptance of the updated terms.

We will make reasonable efforts to notify you of significant changes to these terms by posting an updated version on our platform and updating the 'Last Updated' date.

If you do not agree with any modifications to these terms, you should discontinue your use of our platform immediately.

These Terms & Conditions are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

These Terms & Conditions constitute the entire agreement between you and Shop My Quote regarding your use of our platform and supersede all prior agreements and understandings.

If you have questions, concerns, or disputes regarding these Terms & Conditions or our platform, please contact us:

We will make reasonable efforts to respond to your inquiry within 5 business days.