Terms of Service

Welcome to Spotlight Quotes. By accessing or using spotlightquotes.com (the “Site”), you agree to these Terms of Service (“Terms”). If you do not agree, please do not use the Site.

1. What Spotlight Quotes Does

Spotlight Quotes is a free insurance quote comparison service. We help consumers request and compare insurance quote information by connecting them with independent, licensed insurance providers and agents. We are not an insurance agency, broker, or carrier. We do not sell insurance, issue policies, bind coverage, or provide insurance advice.

Our service is available to users in the United States, and we accept quote requests from customers nationwide. Not every insurance product, provider, or coverage option is available in every state. Quotes, policies, and related services are provided by third-party licensed insurance providers and are subject to their own terms and privacy practices.

2. Eligibility

You must be at least 18 years old and a resident of the United States to use the Site. By using the Site, you represent that you meet these requirements.

3. Quote Requests and Consent to Contact

When you submit a quote request, you consent to be contacted about insurance quotes and related products by Spotlight Quotes and the licensed insurance providers or agents connected with your request. This contact may occur by telephone, text message, or email, including through automated technology, as further described in our Disclaimer & Consent.

Consent is not a condition of purchasing any product or service. Optional marketing communications are requested separately and can be declined without preventing you from submitting a quote request.

Depending on the Site configuration, submitting the quote form may open a pre-filled email in your own email application so you can review and send your information. In that case, your request is not delivered until you choose to send the email.

4. No Guarantees

We do not guarantee that you will be matched with a provider, receive a quote, qualify for coverage, or receive any particular rate, discount, or savings. Rates, coverage options, and availability vary by provider, state, and individual circumstances. Any decision to purchase coverage is yours alone, and you should review the provider's terms before purchasing.

5. Third-Party Insurance Providers

Licensed insurance providers and agents are independent third parties. They are responsible for the quotes, products, services, and information they provide. Spotlight Quotes does not control their availability, underwriting decisions, pricing, or customer service.

6. Acceptable Use

• Provide accurate, current, and complete information in any request or communication.
• Use the Site only for lawful, personal, and non-commercial purposes.
• Do not interfere with, scrape, disrupt, reverse engineer, or misuse the Site.
• Do not impersonate another person or submit information without authorization.

7. Intellectual Property

The Site, including its text, graphics, logos, design, and other content, is owned by Spotlight Quotes or its licensors and is protected by applicable intellectual property laws. You may not copy, modify, distribute, or reuse the Site content without permission, except for personal, non-commercial viewing.

8. Disclaimer of Warranties

The Site is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the maximum extent permitted by law, Spotlight Quotes and its officers, employees, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or your relationships with third-party insurance providers.

10. Indemnification

You agree to indemnify and hold Spotlight Quotes harmless from claims, losses, liabilities, and expenses arising out of your use of the Site or your violation of these Terms.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes means you accept the updated Terms. The date at the top of this page reflects the latest revision.

12. Governing Law

These Terms are governed by the laws of the State of Nevada, without regard to conflict of law principles. Any dispute relating to the Site or these Terms will be resolved in the appropriate courts of that jurisdiction, unless applicable law requires otherwise.