Terms of Service

1. Acceptance of Terms

By accessing or using the NY Car Insurance Quotes website ("nycarinsurancequotes.com"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services. We reserve the right to update these terms at any time, and your continued use of the site after changes constitutes acceptance of the revised terms.

2. Description of Services

NY Car Insurance Quotes provides a platform for New York drivers to request and compare car insurance quotes from licensed insurance carriers and agents. Our website allows you to submit your information, receive estimated rates, and connect with licensed professionals who can provide binding insurance quotes and policies.

3. Quote Disclaimer

Important: The quotes, estimates, and rate information displayed on our website are for informational purposes only and do not constitute a binding offer of insurance. Actual insurance premiums may vary based on:

• Verification of your driving record and claims history
• Detailed vehicle inspection and VIN verification
• Underwriting review by the insurance carrier
• State regulatory requirements and rate filings
• Additional factors discovered during the application process

Only a licensed insurance agent or carrier can issue a binding quote or policy. Estimated savings and rate comparisons shown on our site are based on historical data and may not reflect your individual experience.

4. User Responsibilities

When using our services, you agree to:

• Provide accurate and truthful information in all quote requests and forms
• Not misrepresent your identity, driving record, or vehicle information
• Not use automated tools, bots, or scrapers to access our website
• Not submit fraudulent or misleading information
• Be at least 18 years of age or have parental/guardian consent to use our services

Providing false information may result in quote inaccuracies, denial of coverage, or policy cancellation.

5. Phone Communication Consent

By submitting your phone number through our website, you consent to receive phone calls and/or text messages from NY Car Insurance Quotes and our partner agents regarding your insurance quote request. You may opt out of communications at any time by informing the agent or contacting us directly. Message and data rates may apply for text messages. This consent is not a condition of purchasing any insurance product.

6. Intellectual Property

All content on this website — including text, graphics, logos, images, software, and design — is the property of NY Car Insurance Quotes or its licensors and is protected by United States copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written consent.

7. Limitation of Liability

To the fullest extent permitted by New York State law, NY Car Insurance Quotes shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability for any claim related to our services shall not exceed the amount you paid to us (if any) in the 12 months preceding the claim. Our website and services are provided "as is" without warranties of any kind, either express or implied.

8. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier sites. We are not responsible for the content, privacy policies, or practices of third-party sites. Your interactions with third-party websites are governed by their respective terms and policies.

9. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in New York County, New York.

10. Contact Information

If you have questions about these Terms of Service, contact us at:

• Phone: (718) 801-2720
• Email: info@nycarinsurancequotes.com