Terms Of Use

Last update date: December 28, 2025
Das Redaktionsteam
Das Redaktionsteam
Editorial

Welcome to https://www.PremiumQuotes.com/!

These Terms of Service (“Terms”) govern your access to and use of the website located at https://www.premiumquotes.com and any related pages, tools, forms, content, or services (collectively, the “Website” or “Service”) operated by PremiumQuotes (“PremiumQuotes,” “we,” “us,” or “our”). By accessing, browsing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, you must not use the Service.

Description of the Service

PremiumQuotes provides informational content regarding car insurance and operates as an online lead-generation and comparison platform. The Service connects users with third-party insurance companies, agents, marketers, and service providers (“Third-Party Providers”).

PremiumQuotes is not an insurance company, broker, agent, or advisor, and does not underwrite, issue, or bind insurance policies. We do not guarantee rates, coverage availability, pricing, eligibility, or approval. Any insurance product or service is offered solely by Third-Party Providers under their own terms and conditions.

Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use the Service. The Service is intended for users located in the United States unless otherwise stated. By using the Service, you represent that you meet these requirements.

Access

You are responsible for maintaining the confidentiality of your Website password and you are solely responsible for all activities that occur under your password. You agree to notify THE COMPANY immediately of any unauthorized use of your password or any other breach of security related to the Website. THE COMPANY reserves the right to require you to change your password if THE COMPANY believes that your password no longer is secure.

User information and communications Consent

By submitting information through the Service, you represent that all information you provide is accurate, current, and complete. You authorize PremiumQuotes to share your information with Third-Party Providers for the purpose of delivering quotes, offers, or related services.
You expressly consent to be contacted by PremiumQuotes and/or Third-Party Providers via telephone calls, emails, text messages, and automated dialing systems, including for marketing purposes, even if your number is listed on a do-not-call registry. Consent is not a condition of purchase. You may opt out of communications at any time as described in our Privacy Policy.

Personal and Non-Commercial use

The Service is provided solely for your personal, non-commercial use. You may not copy, scrape, harvest, resell, distribute, license, reverse engineer, or commercially exploit any portion of the Service or its content without our prior written consent.

Prohibited Uses

You agree not to use the Service to:

  • Violate any applicable law or regulation
  • Submit false, misleading, or fraudulent information
  • Interfere with the operation or security of the Website
  • Introduce malware, bots, scraping tools, or automated systems
  • Impersonate any person or entity
  • Collect data about other users without authorization

PremiumQuotes reserves the right to investigate and take appropriate action for violations.

Intellectual Property Rights

All content, features, and functionality on the Service—including text, graphics, logos, software, and design—are owned by or licensed to PremiumQuotes and are protected by intellectual property laws.
You are granted a limited, revocable, non-exclusive license to access and use the Service for lawful purposes consistent with these Terms. No rights are granted except as expressly stated.

User submissions

If you submit content (including feedback, reviews, or communications), you grant PremiumQuotes a perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, and distribute such content for any lawful purpose. You represent that you own or control all rights to the content you submit.

Third-Party Links and Services

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” PREMIUMQUOTES DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that the Service will be uninterrupted, error-free, secure, or accurate, or that any offers or information will result in coverage or savings.

Disclaimer of Warranties

Some links on Website may link to third-party sites. Such links are provided solely as a convenience to you. If you use these links, you will leave the Website. THE COMPANY is not obligated to review such third-party websites, does not control such third-party websites, and is not responsible for any such third-party websites or their content (or the products, services, or content available through the same). Thus, THE COMPANY does not endorse or make any representations about such third-party websites, any information, software, products, services, or materials found there or any results that may be obtained from using them. If you decide to access any of the third-party websites linked to from THE COMPANY Network, you do so entirely at your own risk.

Limitation of Liability

To the fullest extent permitted by law, PremiumQuotes and its affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, data, or goodwill, arising from or related to your use of the Service.
In no event shall PremiumQuotes’ total liability exceed $100 or the amount paid by you (if any) to access the Service during the prior twelve (12) months, whichever is greater.

Indemnification

You agree to indemnify, defend, and hold harmless PremiumQuotes and its affiliates from any claims, liabilities, damages, losses, and expenses (including attorneys’ fees) arising from your use of the Service, violation of these Terms, or violation of any law or third-party rights.

Digital Millennium Copyright Act (DMCA)

If you believe your copyrighted work has been infringed, please submit a DMCA notice including all required information to: Email: [email protected]

We reserve the right to terminate repeat infringers.

Changes to the Service

PremiumQuotes may modify, suspend, or discontinue any part of the Service at any time without notice. We are not liable for any modification or discontinuation.

Limitation on Time to Bring Claims

Any claim arising out of or relating to the Service must be brought within one (1) year after the claim arises, or it is permanently barred.

Governing Law; Arbitration; Class Action Waiver

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles.

Any dispute arising out of or relating to these Terms or the Service shall be resolved by final and binding arbitration in Delaware, administered by the American Arbitration Association under its applicable rules.

YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. Arbitration shall occur on an individual basis only.

If the class action waiver is found unenforceable, the arbitration provision shall be null and void.

Waiver and Severability

No waiver of any term shall be deemed a continuing waiver. If any provision is held unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with the Privacy Policy and any disclosures referenced herein, constitute the entire agreement between you and PremiumQuotes regarding the Service.

Contact Information

For questions regarding these Terms, please contact: [email protected]