Terms of Service

Insurance on the Web provides auto insurance quoting, placement, and servicing for California residents. We are an independent insurance agency licensed by the California Department of Insurance (CA License #6014235). We work with multiple insurance carriers to find coverage options for our clients.

We are not an insurance carrier — we are an agent who places coverage with licensed insurance companies. All coverage is subject to the terms, conditions, and exclusions of the actual insurance policy issued by the carrier.

Requesting a quote through our website does not guarantee that coverage will be offered or that any specific price will be available. Insurance rates vary based on your driving record, vehicle, location, and other factors determined by the insurance carrier.

We do not guarantee the lowest rates or cheapest insurance. We strive to find competitive rates that work for your budget, but final pricing is determined by the insurance carrier based on your specific information and risk profile.

You agree to provide accurate, complete, and truthful information when requesting a quote or applying for insurance coverage. Providing false or misleading information on an insurance application is insurance fraud and may result in denial of coverage, cancellation of your policy, or legal consequences.

We rely on the information you provide to obtain accurate quotes. Inaccurate information may result in quotes that do not reflect your actual premium.

An SR-22 is a certificate of financial responsibility filed with the California DMV — it is not a type of insurance policy. We file SR-22 certificates as part of the insurance policies we place. Maintaining continuous insurance coverage is required to keep your SR-22 active. Any lapse in coverage will result in notification to the California DMV.

We are not responsible for DMV decisions regarding license reinstatement or suspension based on SR-22 requirements.

Insurance on the Web operates in compliance with the California Insurance Code and regulations of the California Department of Insurance. We are required to disclose that:

• Coverage is subject to policy terms and conditions
• Not all applicants will qualify for all coverages
• Rates are subject to change and vary based on individual factors
• We are compensated by insurance carriers through commissions

We do not make specific price guarantees or promises of coverage. All representations about coverage and pricing are subject to verification and carrier approval.

You may use our website for lawful purposes only. You agree not to use our website to submit false information, attempt to access unauthorized areas of our systems, or engage in any activity that could harm our website or other users.

The content on our website is provided for informational purposes only and does not constitute legal or insurance advice. Always review your actual policy documents for the specific terms of your coverage.

Insurance on the Web's liability is limited to the extent permitted by California law. We are not liable for any indirect, incidental, or consequential damages arising from your use of our website or services. Our liability for direct damages is limited to the amount of commissions earned on your specific policy.

We are not responsible for the actions or omissions of insurance carriers, including coverage decisions, claims handling, or policy changes.

Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect and use your information.

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

For questions about these Terms of Service, please contact us:

Insurance on the Web
8199 Clairemont Mesa Blvd, K2
San Diego, CA 92111
Phone: (619) 350-0223
Email: [email protected]
CA License #6014235