About Our Service
Smart Insurance Offers is a free quote request and comparison service. We collect information about the coverage you're looking for and connect you with insurance carriers, licensed agents, and partners who may provide quotes.
We are not an insurance company. We do not sell, bind, or underwrite insurance, give insurance advice, or guarantee that you will receive a quote, a policy, or any particular rate. Any policy you buy is a contract between you and the carrier.
Eligibility
You must be at least 18 years old and a resident of the United States to use the Site. By using it, you confirm that you meet these requirements.
Your Information and Accuracy
You agree to provide true, accurate, and current information and to submit requests only for yourself. Submitting someone else's details, or false or misleading information, is prohibited. Quotes depend on the information you provide and on carrier underwriting, so inaccurate information may change or void a quote.
Consent to Communications
By submitting a request and checking the consent box, you give your express written consent for Smart Insurance Offers and its matched agents, carriers, and partners to contact you at the number and email you provided, including by autodialed or prerecorded calls and text messages, even if your number is on a federal, state, or company Do Not Call list. Consent is not a condition of purchase, and message and data rates may apply. You may revoke consent at any time as described in our Privacy Policy.
Quotes and Rates
Rates, savings figures, and other information on the Site are estimates for general information only. They are not offers of insurance. Final pricing, eligibility, and coverage terms are set solely by the carrier after underwriting.
Compensation
Our service is free to you. We may receive compensation from carriers, agents, or partners when we refer a request or a match is made. This compensation may influence which providers are shown to you or the order in which they appear. We do not include every carrier or every product available in the market.
Acceptable Use
You agree not to:
- Use the Site for any unlawful or fraudulent purpose
- Submit false, automated, or bulk requests
- Interfere with the Site's security or operation, or attempt to gain unauthorized access
- Copy, scrape, or reproduce Site content without our written permission
Intellectual Property
The Site's design, text, graphics, and logos belong to Smart Insurance Offers or its licensors and are protected by law. Carrier names and trademarks belong to their respective owners, and their appearance on the Site does not imply endorsement or affiliation.
Third-Party Providers and Links
We are not responsible for the products, services, statements, or conduct of any carrier, agent, or partner you are connected with, or for the content of any third-party website linked from the Site.
Disclaimer of Warranties
The Site and our services are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.
Limitation of Liability
To the fullest extent permitted by law, Smart Insurance Offers and its owners, employees, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from your use of the Site or any insurance product you obtain through a provider we connect you with. Our total liability for any claim will not exceed one hundred U.S. dollars ($100).
Indemnification
You agree to defend and hold harmless Smart Insurance Offers and its owners, employees, and partners from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your breach of these Terms or misuse of the Site.
Governing Law and Disputes
These Terms are governed by the applicable laws of the United States, without regard to conflict-of-law rules. Any dispute will be resolved in a state or federal court of competent jurisdiction, and you consent to that jurisdiction.
Changes to These Terms
We may update these Terms at any time by posting a revised version on this page. Your continued use of the Site after changes are posted means you accept them.
Contact Us
Smart Insurance Offers
197 Royal Blackheath, Smithfield, VA 23434
Phone: (866) 222-0277
Email: info@smartinsuranceoffers.online
Hours: Mon–Fri 8AM–8PM EST