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Terms & Conditions of Use provides our services to you subject to the following conditions. The same conditions apply to anyone’s use of’s features and services. Please take the time to read this agreement carefully. Your exploration of the web site and use of our services is your acknowledgment that you have read and agree to be bound by these terms and conditions. The companies listed on this web site, including advertisers and insurance institutions, are not affiliated with The availability of these companies may vary by state.

Use of the Web Site and Services

When you access the web site, we provide you with the opportunity to take advantage of our services and features contingent upon your acceptance of certain conditions. You may also be asked to enter into additional agreements before being permitted to access certain of our services. These further agreements are in addition to these terms and conditions and will govern your use of the services covered by the additional agreements in the event of a conflict between the terms of this agreement and those additional agreements.

By accessing the web site or otherwise using the services, you acknowledge that you have read, understand and agree to be bound by this agreement. If you do not agree with any of the terms of this agreement, you do not have permission to access the web site or use the services. We reserve the right, at our sole discretion, to modify this agreement at any time by posting a modified version of this agreement to the web site. You agree to be bound by the modified Terms of Use through your continued access to the web site or use of the services.

Privacy Policy

Please also review the Privacy Policy, a copy of which is available on this web site. The Privacy Policy is incorporated into this agreement by reference. By using our web site and services, you are expressly agreeing to the use and disclosure of your personally identifiable and other information as described in the Privacy Policy. When you submit your personal information, you represent to us that it is true and complete. Among other things, accurate information helps us to provide better services to you. Click here to review the Privacy Policy.


With your access and use of this web site and services, you agree to use the web site and services only for lawful purposes. You also agree that you will not: (a) license, sublicense, rent, lease, loan, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party our web site or services; (b) modify or make derivative works based upon our web site or services; or (c) reverse engineer, disassemble, decompile, or otherwise attempt to derive the source code or method of operation of our web site or services, or authorize any third party to do any of the foregoing.

Copyright and Trademarks owns the rights, title, and interest in and to our web site and services, including the intellectual property rights. Intellectual property rights are all worldwide patent, patent applications, copyrights, trade secrets, trademarks, service marks, trade names and any other intellectual property, proprietary, and database protection rights. Furthermore, the name and logo are our trademarks, and no right or license is granted to you herein to use such trademarks.

Linked Web Sites

Our web site may contain links to third party web sites that are offered as a convenience. Those third party web sites are not under our control and we are not responsible for any content on any linked web site. Our inclusion of third party links does not imply that we endorse or accept any responsibility for the content on those web sites. If you access a third party web site from our web site, then you do so with the understanding that the risk is yours.

Representations and Warranties

You represent, warrant and covenant that: (1) You have the legal right and authority to enter into this agreement, and, if you are accepting this agreement on behalf of a company or other entity, to bind the company or other entity to the terms of this agreement; (2) You have the legal right and authority to perform your obligations under this agreement and to grant the rights and licenses described in this agreement and in any applicable additional agreement you enter into in connection with our web site and any of our services; (3) All information that you provide to us in connection with this agreement and your access to our web site and use of the services is correct and current.


You agree that you will indemnify, defend, and hold harmless and each of its respective employees, officer, directors, and affiliates, from any and all claims, losses, liabilities, damages, fees, expenses and costs (including attorneys’ fees, court costs, damage awards, and settlement amounts) which result from any claim or allegation against any of those indemnified parties arising from: (a) your accessing our web site or use of our services including any materials disseminated or transmitted by you and/or your affiliates; (b) your breach of any term of this agreement; or (c) your negligence or intentional misconduct hereunder. We will provide you with notice of any such claim or allegation, and we will have the right to participate in the defense of any such claim at our expense.


This content is not provided or commissioned by any licensed insurance company, state or federal agency. The opinions expressed here are those of the author’s and not those of any licensed insurance company or agent. We are an independent website and your use of this site signifies your consent and agreement to our terms of use & privacy policy. For information pertaining to your unique needs always contact a licensed professional and always double check car insurance requirements with your state before obtaining a policy.

The materials on web site are provided “as is”. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

Limitation of Liability

In no event shall or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Internet site, even if or a authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

General Provisions

These Terms of Use are the complete and exclusive statement of the agreement between and you regarding the web site and services and supersede any other agreement or proposal, oral or written (including information on our web site), and any other communications between and you. These Terms of Use will be governed by the laws of the State of Massachusetts without regard to conflicts of law principles. All disputes arising under this agreement must be brought in the state or federal courts located in Massachusetts. Each party irrevocably hereby consents to the jurisdiction and venue of any such court in any such action or proceeding.

There are no other third party beneficiaries under this agreement. The waiver of a breach of any provision of this agreement will not operate or be interpreted as a waiver of any other or subsequent breach. If any provision of this agreement is deemed unenforceable, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect. You may not assign, delegate or otherwise transfer this agreement or any of your rights or obligations under this agreement without our prior written consent. Any such assignment, delegation or transfer in violation of the foregoing will be null and void.

You access our web site and services solely in accordance with the terms of this agreement. We reserve the right, at our sole discretion, to terminate this agreement or your access to any part of the web site or the services with or without notice to you and with or without cause. Upon termination of this agreement, all rights and licenses granted to you in this agreement will immediately cease to exist. The provisions of the General Provisions, Privacy Policy, Linked Web Sites, Limitation of Liability, Disclaimer, Indemnification, Representations and Warranties, and Use of Web Site and Services of this agreement will survive termination of the agreement for any reason.

Last updated: May 24th, 2013

* Not connected with or endorsed by the United States government or the federal Medicare program.