Terms & Conditions


Please read these terms of services carefully before using the Insurance Rate Helper. Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.


Onlineinsurancecompare and its subsidiaries are licensed as insurance brokers or agents in various U.S. states. This Website is not intended as a solicitation for insurance in any state or province where Onlineinsurancecompare or its subsidiaries are not licensed.


Onlineinsurancecompare and its content providers (“Providers”) own and have copyrights on this Website and all of the Content, which is protected by US, Canadian and International copyright laws and treaties. The information, materials and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, or otherwise used for public or commercial purposes, in whole or in part, without the express prior written consent of Onlineinsurancecompare.


By using this Website you warrant that you are at least 18 years of age and can enter into binding contracts for insurance or other goods. If you less than 18 years of age you may not use this Website and you must leave immediately. You are responsible for maintaining the confidentiality of any passwords, login names, or other information associated with your use of this Website.
You may not use this Website for any false or fraudulent purpose. You are also forbidden from using this Website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of this Website or take any action that imposes an unreasonable load on Onlineinsurancecompare computer equipment.
You may not use this Website for any commercial, financial or other similar purpose without the express prior written consent of Onlineinsurancecompare.
Finally, you may not use this Website for any purpose that is unlawful or otherwise prohibited by these Terms.
Onlineinsurancecompare reserves the right, at any time and without advance notice or liability, to terminate your access to this Website or any component therein.


Under no circumstances should you regard any information you may access in this Website as a recommendation, advice, or complete description of any products, service, or plan. Application for an insurance quotation through this Website does not constitute a binder of insurance coverage or the reporting of a claim. The application may be used by Onlineinsurancecompare to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary and Website visitors must carefully review their own insurance policies and consult with their insurance advisors. Onlineinsurancecompare may share commissions or referral fees with business partners, subject to all applicable regulations and laws.


These Terms are governed by the laws of the State of Illinois, excepting its conflicts of law principles. Any dispute arising out of this Website shall be subject to the exclusive venue of a court of competent jurisdiction in Chicago, Illinois. The headings in these Terms are for convenience and reference and shall have no legal effect. Any failure by Onlineinsurancecompare to act with respect to you or another person’s breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, such Term(s) deemed unenforceable or invalid will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between you and Onlineinsurancecompare relating to your use of the site and replaces any prior oral or written understandings or agreements.


Onlineinsurancecompare reserves the right to change these Terms from time to time and in its sole discretion. If these Terms change, the revised Terms will be posted at the “Terms and Conditions” link on this Website’s home page. Any material changes to the Terms will be brought to your attention when you next visit this Website. In addition, the last time these Terms were revised is set forth below. If the date displayed is later in time than your last visit, you must re-read these Terms. Your continued use of this Website after the date of the last revision indicates your acceptance of any revisions.

These Terms were last revised on September 1, 2022.