Terms and Conditions

Last Updated: February 10, 2026

Welcome to Ameriquote. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

1. Acceptance of Terms

By submitting a quote request through our website, creating an account, or otherwise using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes your acceptance of the modified Terms.

2. Description of Services

Ameriquote operates as a lead generation and distribution platform connecting consumers seeking insurance quotes with licensed insurance carriers, agents, and brokers. Our services include:

• Providing an online platform for consumers to request insurance quotes
• Matching consumers with insurance providers based on their needs and profile
• Facilitating connections between consumers and insurance providers
• Providing educational information about insurance products

IMPORTANT: Ameriquote is NOT an insurance carrier, agent, or broker. We do not sell insurance policies, provide insurance advice, or make insurance recommendations. We facilitate connections between consumers and licensed insurance professionals who can provide quotes and coverage options.

3. Eligibility and User Requirements

To use our services, you must:

• Be at least 18 years of age
• Be a resident of the United States
• Have the legal capacity to enter into binding contracts
• Provide accurate, current, and complete information
• Have authorization to provide any phone numbers you submit

By using our services, you represent and warrant that you meet these eligibility requirements.

4. Information You Provide

You agree to provide accurate, current, and complete information when submitting quote requests. Providing false, inaccurate, or misleading information may result in inaccurate insurance quotes, denial of coverage by insurance providers, termination of your access to our services, or legal liability for fraudulent information.

You are responsible for updating your information if it changes. You may contact us at the information provided below to update your details.

5. Consent to Contact

By submitting your contact information through our website, you provide your express written consent to be contacted by Ameriquote, insurance carriers, agents, and brokers in our network, and marketing partners and affiliates via telephone calls (including calls using an automatic telephone dialing system, artificial voice, or prerecorded messages), email messages, and postal mail.

By providing your telephone number(s), you specifically consent to receive calls from multiple insurance providers and marketing partners, calls made using automated dialing technology, and prerecorded or artificial voice messages. You represent that you are the subscriber or customary user of any telephone number you provide.

Your consent to be contacted is not a condition of purchasing any goods or services. You may revoke your consent to be contacted at any time by contacting us using the information provided below.

6. Information Sharing and Third Parties

When you submit a quote request, you acknowledge and agree that your information will be shared with multiple insurance providers and marketing partners, you may be contacted by several different companies, each company that contacts you operates independently, and we are not responsible for the actions, practices, or communications of third party insurance providers.

7. No Insurance Advice or Recommendations

Ameriquote does not provide insurance advice or recommendations, evaluate the suitability of specific insurance products for your needs, endorse or guarantee any insurance provider or product, or act as an insurance agent, broker, or carrier. Any insurance-related decisions you make are your sole responsibility.

8. No Guarantee of Quotes or Coverage

Ameriquote does not guarantee that you will receive insurance quotes, qualify for insurance coverage, receive quotes at any particular price or rate, or that any specific insurance provider will contact you. Insurance approval, pricing, and coverage terms are determined solely by insurance providers based on their underwriting criteria.

9. Fees and Payments

Ameriquote's quote request services are provided to consumers free of charge. You will not be charged any fees by Ameriquote for submitting quote requests, receiving quotes, or being connected with insurance professionals. If you choose to purchase insurance from a provider, you will be responsible for paying premiums and any other fees directly to that provider.

10. Intellectual Property

All content on the Ameriquote website is the property of Ameriquote or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without permission, or use our trademarks, service marks, or logos without authorization.

11. Prohibited Uses

You agree not to use our services to submit false or fraudulent information, violate any applicable laws or regulations, transmit spam or unsolicited communications, interfere with our services, or use our services for any illegal or unauthorized purpose. We reserve the right to terminate your access for any violation.

12. Disclaimers and Limitations of Liability

Our services are provided on an "as is" and "as available" basis without warranties of any kind. To the maximum extent permitted by law, Ameriquote shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services. Our total liability to you for any claims shall not exceed $100.

13. Indemnification

You agree to defend, indemnify, and hold harmless Ameriquote, its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses arising from your use of our services, violation of these Terms, or any false information you provide.

14. Third-Party Links and Services

Our website may contain links to third-party websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

15. Dispute Resolution and Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. The arbitration shall take place in King County, Washington. You agree that any arbitration shall be limited to the dispute between you and Ameriquote individually, with no class-action basis.

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Washington. You agree to submit to the personal jurisdiction of the state and federal courts located in King County, Washington for any actions not subject to arbitration.

17. Contact Information

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

Ameriquote
Email: support@ameriquote.com
Phone: (844) 551-3293
Mailing Address: PO Box 2146, Renton, WA 98056

18. Severability

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

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ameriquote regarding your use of our services.

20. Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms.