Last Updated: August 12, 2026
These Terms contain a binding arbitration agreement and class action waiver. Except for certain disputes described below and unless you timely opt out of arbitration, you and Compair Insurance Quotes LLC agree to resolve covered disputes through individual binding arbitration rather than in court or through a jury trial or class action. Please review Section 30, “Dispute Resolution, Arbitration, and Class Action Waiver,” carefully.
These Terms and Conditions (“Terms”) govern your access to and use of compairinsurance.com, including our insurance quote tools, online accounts, Quote Refresh service, educational content, communications, forms, technology, applications, and other products or services that link to these Terms (collectively, the “Services”).
The Services are operated by Compair Insurance Quotes LLC (“Compair,” “we,” “us,” or “our”).
By accessing or using the Services, creating an account, submitting an insurance quote request, checking a box or clicking a button indicating agreement, purchasing a paid Compair Service, or otherwise affirmatively accepting these Terms, you acknowledge that you have read, understand, and agree to these Terms and acknowledge our Privacy Policy and Insurance & Financial Privacy Notice.
If you do not agree to these Terms, you must not use the Services.
When we present a checkbox, button, electronic signature, acknowledgement, authorization, or other electronic mechanism indicating agreement, your affirmative action may constitute your electronic acceptance or electronic signature to the extent permitted by applicable law.
You agree that electronic records, signatures, acknowledgements, authorizations, disclosures, and transactions may have the same legal effect as records and signatures executed on paper, subject to any additional consent required by applicable law.
Where a particular insurance transaction, consumer report, recurring payment, communication program, privacy notice, or other activity requires a separate authorization, acknowledgement, or consent, Compair may request that authorization separately.
Where you affirmatively agree to receive notices electronically, Compair may provide legally permitted notices through the Website, your account, email, or another electronic method.
Compair Insurance Quotes LLC is a licensed insurance producer. Compair is not an insurance company and does not underwrite or issue insurance policies.
Insurance products available through or in connection with the Services are underwritten and issued by third-party insurance carriers. The applicable insurance carrier determines final eligibility, underwriting, premium, coverage, limits, deductibles, discounts, exclusions, policy terms, issuance, renewal, cancellation, nonrenewal, and claims decisions.
Compair currently offers insurance-related Services in Michigan and may expand into additional jurisdictions in the future. Insurance products and Services are offered only in jurisdictions and for lines of insurance for which Compair and the applicable insurance carrier are legally authorized to conduct business.
You must be at least 18 years old and legally capable of entering into a binding agreement to independently submit an insurance request, create an account, purchase a paid Compair Service, or enter into an insurance transaction through the Services.
By using the Services, you represent that you satisfy these requirements and that your use of the Services is lawful.
Compair provides insurance-producer and technology services designed to help consumers obtain, organize, review, and compare insurance options from participating insurance carriers.
Insurance quotes, estimates, indications, price ranges, coverage summaries, and other insurance information displayed or communicated through the Services may be preliminary, conditional, estimated, or subject to additional information, verification, underwriting, consumer reports, carrier review, and other requirements.
A quote or estimate is not an insurance policy, binder, contract of insurance, guarantee of coverage, guarantee of eligibility, or guarantee of premium.
A premium, discount, deductible, coverage amount, eligibility determination, or other term presented during the quote process may change before a policy is issued or bound.
Insurance coverage does not become effective merely because you complete a Compair form, receive a quote, select an insurance option, submit an application, provide payment information, or indicate that you wish to proceed.
Coverage becomes effective only when the applicable insurance carrier or its authorized representative confirms that coverage has been bound or issued and all applicable carrier requirements have been satisfied.
Compair may not obtain or display quotes from every insurer, insurance agency, insurance product, insurance program, discount, or insurance market available to you.
Carrier and product availability may depend on carrier appointments, technology integrations, geographic availability, underwriting eligibility, carrier participation, regulatory requirements, product availability, and other factors.
Accordingly, a quote presented through Compair does not constitute a representation or guarantee that it is the lowest premium, best price, best coverage, or best insurance product available anywhere in the market.
The order, prominence, or manner in which insurance options are displayed does not necessarily constitute a recommendation that a particular carrier or policy is the best option for you.
You should consider coverage limits, deductibles, endorsements, exclusions, carrier terms, claims service, financial considerations, and other relevant factors in addition to premium.
Compair is designed to make insurance comparison easier, but Compair does not guarantee that every user will save money, receive a lower premium, qualify for a particular product, or receive a particular insurance offer.
Insurance pricing and eligibility depend on numerous factors determined by insurance carriers and applicable law, and those factors may change over time.
Insurance pricing, underwriting, and eligibility depend heavily on accurate and complete information. You agree to provide information that is truthful, current, accurate, and complete to the best of your knowledge.
You agree that you will not:
False statements, material omissions, or misrepresentations in connection with insurance may cause a quote to change, an application to be declined, a policy to be rescinded or canceled, a claim to be denied, or other consequences permitted by applicable law.
Insurance quotes and applications may require information concerning a spouse, child, household member, driver, property owner, lienholder, mortgagee, dependent, or other individual.
If you submit information about another person, you represent that you have a lawful basis and appropriate authority to provide that information for the insurance-related purpose for which it is submitted.
Insurance carriers and authorized service providers may obtain or use consumer reports, credit-based insurance information or insurance scores, claims-history reports, motor-vehicle records, property information, insurance history, public records, identity-verification information, fraud-prevention information, and other underwriting information where permitted by applicable law.
By requesting an insurance quote or insurance-related Service, you authorize, to the extent permitted by applicable law, Compair, participating insurance carriers, and their authorized service providers to obtain, transmit, verify, and use information reasonably necessary for insurance quoting, eligibility, rating, underwriting, verification, fraud prevention, and related insurance purposes.
If applicable law or the provider of a particular report requires a separate authorization or acknowledgement, Compair or the applicable insurance provider may request that authorization separately.
If an insurance company takes an adverse action based in whole or in part on information contained in a consumer report, the responsible party will provide any notice required by applicable law.
You are responsible for reviewing the information contained in any insurance quote, application, proposal, binder, declarations page, policy, endorsement, or other insurance document before accepting or purchasing coverage.
If information displayed or communicated through Compair differs from an official insurance document issued by an insurance carrier, the legally effective insurance carrier documents control.
You should promptly contact Compair or the applicable insurance carrier if you believe information is inaccurate or if you do not understand the terms of a proposed insurance product.
When you provide Compair with an email address, telephone number, mobile number, or other contact information and request an insurance quote, account, product, or Service, you authorize Compair to use that information as reasonably necessary to communicate with you concerning your request.
Such communications may include communications intended to:
These communications may occur by email, live telephone call, text message, online message, or another reasonably available communication method, subject to applicable law.
Participating insurance carriers, insurance agencies, insurance professionals, or authorized service providers may also contact you where reasonably necessary to complete, evaluate, quote, underwrite, or service an insurance transaction you requested and where permitted by applicable law.
Compair may provide opportunities for you to consent to marketing and promotional communications, including communications concerning insurance quotes, coverage options, rate-shopping opportunities, renewal opportunities, related offers, educational information, promotions, and Compair Services.
Where applicable law requires affirmative consent for a particular communication or technology, Compair will obtain the legally required consent.
If you check a box or otherwise provide consent stating that you agree to receive calls and/or text messages from Compair Insurance and its insurance partners regarding quotes, coverage options, related offers, or other insurance-related matters, the specific consent disclosure presented to you at the time you provide consent will govern the scope of that authorization.
Depending on the consent you provide, authorized communications may include marketing calls or text messages and may be made using automated technology, an automatic telephone dialing system, artificial voice, prerecorded voice, or other communication technology to the extent permitted by applicable law.
Consent to receive marketing calls, automated marketing communications, prerecorded or artificial-voice marketing calls, or marketing text messages for which affirmative consent is legally required is not a condition of purchasing insurance, receiving a quote, or using Compair’s core comparison Services.
Message and data rates may apply.
You may revoke consent to marketing calls or text messages using any reasonable method permitted by applicable law. For text-message programs, you may reply STOP to an applicable marketing text message. You may also ask that marketing calls stop during a call or otherwise notify Compair of your request.
Compair will honor legally valid consent-revocation and do-not-call requests within the time required by applicable law.
A marketing opt-out does not necessarily prohibit Compair from contacting you for non-marketing communications reasonably necessary to complete an insurance transaction you requested, respond to your inquiry, administer an account or subscription, provide security or fraud notifications, collect or process an authorized payment, or satisfy a legal obligation.
Compair may send marketing or promotional emails concerning insurance products, rate-shopping opportunities, renewal opportunities, related offers, educational information, promotions, or Compair Services where permitted by applicable law.
Marketing emails sent by or on behalf of Compair will provide a clear method for unsubscribing from future Compair marketing emails and will contain sender-identification and postal-address information required by applicable law.
You may also request removal from Compair’s marketing email list by contacting support@compairins.com.
Compair may maintain a suppression record identifying an email address that has opted out so that the opt-out can continue to be honored.
Unsubscribing from marketing emails does not necessarily stop transactional, quote, account, payment, subscription, security, regulatory, customer-service, or other non-marketing communications.
Telephone, video, or online communications with Compair may be monitored or recorded for customer service, quality assurance, training, documentation, security, fraud prevention, and compliance purposes where permitted by law.
Where applicable law requires notice or consent before a communication may be recorded, Compair will provide the required notice or obtain the required consent.
If you create a Compair account, you are responsible for maintaining the confidentiality of your login credentials and for activity conducted through your account.
You agree to provide accurate account information and promptly notify Compair if you believe your account or credentials have been compromised.
Compair may require identity verification, password changes, multi-factor authentication, or other security measures.
Compair may restrict or suspend access where reasonably necessary to protect you, Compair, insurers, service providers, or others from suspected fraud, misuse, security threats, or unlawful activity.
Consumers generally may use Compair’s insurance quote-comparison Services without paying Compair a separate fee merely to request or compare quotes.
Compair may receive commissions, fees, referral compensation, technology compensation, or other compensation from insurance carriers, insurance organizations, or business partners in connection with insurance products or Services where permitted by law.
Compensation arrangements may vary among carriers, products, Services, or transactions.
Compair’s receipt of compensation in connection with an insurance product does not constitute a representation that the product is necessarily the least expensive or best product available to you.
Optional paid Compair Services may have separate fees that will be disclosed before purchase.
Quote Refresh is an optional paid Service designed to help customers organize insurance renewal timing, maintain relevant insurance information, and review available insurance options before or around renewal.
Quote Refresh does not guarantee a lower insurance premium, guarantee savings, guarantee carrier availability, automatically change an insurance policy, automatically cancel an existing policy, or automatically bind replacement coverage.
You remain responsible for deciding whether to retain, modify, cancel, or replace an insurance policy and for ensuring that continuous insurance coverage is maintained.
Unless otherwise clearly disclosed before purchase, Quote Refresh is an automatically renewing annual subscription.
The applicable subscription price, billing frequency, automatic-renewal terms, and cancellation method will be disclosed to you before you complete your purchase.
By providing your card or other payment information and affirmatively completing your Quote Refresh purchase, you authorize Compair and its authorized payment processor to charge your selected payment method for the initial payment and for future recurring renewal payments in accordance with the subscription terms presented to you and these Terms.
Unless you cancel before the applicable renewal charge is processed, your Quote Refresh subscription will automatically renew for successive renewal terms and the payment method associated with your subscription will be charged the then-applicable subscription price.
By completing the purchase after receiving the applicable price and renewal disclosures, you acknowledge and agree to the recurring-payment authorization described above.
You may cancel Quote Refresh before your next renewal charge by using an available online cancellation method provided by Compair or by contacting support@compairins.com.
Cancellation prevents future Quote Refresh renewal charges but does not cancel, modify, replace, or otherwise affect any insurance policy.
Unless required by applicable law or otherwise expressly disclosed at purchase, cancellation does not automatically result in a prorated refund of a subscription period that has already been charged.
Compair may change the subscription price or other subscription terms for a future renewal by providing any notice or obtaining any consent required by applicable law before the change becomes effective.
Compair may use third-party payment processors to process payments for paid Compair Services.
You authorize Compair and its authorized payment processors to process charges that you affirmatively authorize, including recurring charges authorized under the Quote Refresh terms above.
Complete payment-card information may be collected and processed directly by an authorized payment processor and may be subject to that processor’s own terms and privacy practices.
Insurance premium payments may be processed by the applicable insurance carrier, insurance agency, premium processor, or another authorized party.
Submission or processing of payment information does not by itself establish that an insurance policy has been bound or issued.
The Services may display information from, connect with, or depend upon insurance carriers, comparative-rating systems, insurance networks, data providers, payment processors, consumer reporting agencies, communications providers, analytics providers, identity-verification providers, fraud-prevention providers, and other third parties.
Third-party products and services may be governed by separate contracts, terms, insurance policies, privacy notices, and business practices.
Compair does not control every aspect of third-party technology, underwriting, claims handling, carrier systems, websites, pricing, products, or services.
To the maximum extent permitted by law, Compair is not responsible for the independent acts or omissions of third parties outside Compair’s reasonable control, except to the extent applicable law imposes a responsibility that cannot lawfully be waived.
Website descriptions, educational content, comparison tables, coverage summaries, estimates, and quote information are not substitutes for an insurance policy.
If information displayed or communicated through Compair conflicts with an official insurance application, binder, declarations page, endorsement, policy form, or other legally effective insurance document issued by the applicable insurance carrier, the applicable carrier documents control.
Articles, calculators, guides, examples, market information, coverage explanations, comparisons, statistics, and other educational content are provided for general informational purposes only.
Such materials are not legal, tax, accounting, investment, or financial-planning advice and do not create an attorney-client, accountant-client, fiduciary, or similar professional relationship.
Insurance needs vary according to individual circumstances. You should review actual policy documents and consult an appropriately licensed or qualified professional where appropriate.
Compair attempts to provide useful and accurate information but cannot guarantee that all Website content, carrier information, quote information, pricing, coverage descriptions, calculations, or other data will always be complete, current, or error-free.
Compair and participating insurance carriers reserve the right to correct clerical, technical, transmission, pricing, rating, data, or other errors to the extent permitted by applicable law.
The Website and its software, designs, branding, text, graphics, interfaces, databases, logos, trade names, trademarks, reports, and other materials are owned by or licensed to Compair and are protected by applicable intellectual property laws.
Subject to these Terms, Compair grants you a limited, revocable, nonexclusive, nontransferable right to use the Services for your personal, lawful, noncommercial insurance-related purposes.
Except as permitted by law or expressly authorized by Compair in writing, you may not reproduce, scrape, copy, distribute, publish, sell, sublicense, reverse engineer, decompile, modify, create derivative works from, or commercially exploit the Services or their content.
If you voluntarily submit suggestions, ideas, reviews, comments, or feedback about Compair or the Services, you grant Compair a perpetual, worldwide, royalty-free, transferable, sublicensable license to use, reproduce, modify, publish, display, distribute, and otherwise use that feedback for lawful business purposes without compensation to you.
This provision does not transfer ownership of your Personal Information, which remains subject to our Privacy Policy.
You may not:
Compair may add, remove, modify, suspend, restrict, or discontinue portions of the Website or Services from time to time.
Compair does not guarantee that the Website, a particular insurance carrier, quote, integration, product, feature, Service, or third-party system will always be available, uninterrupted, timely, secure, or error-free.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND COMPAIR SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
EXCEPT FOR OBLIGATIONS THAT CANNOT LAWFULLY BE DISCLAIMED, COMPAIR DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NONINFRINGEMENT.
COMPAIR DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, OR FREE FROM HARMFUL COMPONENTS.
COMPAIR DOES NOT WARRANT THAT EVERY INSURANCE CARRIER OR PRODUCT WILL BE INCLUDED, THAT A QUOTE WILL REMAIN AVAILABLE, THAT AN ESTIMATED PREMIUM WILL BE THE FINAL PREMIUM, THAT COVERAGE WILL BE ISSUED, OR THAT USE OF THE SERVICES WILL RESULT IN INSURANCE SAVINGS.
Nothing in these Terms disclaims an insurance carrier’s obligations under an insurance policy it actually issues or any legal duty that cannot lawfully be waived.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPAIR INSURANCE QUOTES LLC AND ITS MEMBERS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, REPRESENTATIVES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR OTHER INDIRECT LOSS ARISING FROM OR RELATING TO THE SERVICES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPAIR’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID DIRECTLY TO COMPAIR FOR THE APPLICABLE COMPAIR SERVICE DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100).
These exclusions and limitations do not apply to liability that applicable law does not permit to be excluded or limited.
To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Compair Insurance Quotes LLC and its members, officers, employees, agents, contractors, and representatives from third-party claims, liabilities, damages, losses, and reasonable costs arising from:
This provision does not require you to indemnify Compair for liability resulting from Compair’s own conduct where such indemnification is prohibited by law.
Compair will not be responsible for delay, interruption, or failure caused by circumstances outside our reasonable control, including natural disasters, severe weather, war, civil disturbance, government action, labor disruption, telecommunications failure, internet failure, power outage, cyberattack, third-party service failure, carrier-system outage, or similar events.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
This section governs disputes between you and Compair Insurance Quotes LLC. It does not govern a dispute solely between you and an independent insurance carrier or other third party unless that party’s separate agreement provides otherwise.
Before either you or Compair begins arbitration, the party asserting a dispute must provide the other party with written notice describing the nature of the dispute, relevant facts, and requested relief.
A notice to Compair may be sent to support@compairins.com with the subject line LEGAL NOTICE OF DISPUTE.
The parties agree to attempt in good faith to resolve the dispute for at least 30 days after receipt of the notice before initiating arbitration.
Except for the exceptions stated below and unless you validly opt out, any dispute, claim, or controversy arising out of or relating to the Services, these Terms, our Privacy Policy, communications with you, advertising, a Compair subscription, or the relationship between you and Compair that cannot be resolved informally will be resolved through final and binding individual arbitration.
The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.
Arbitration will be administered by the American Arbitration Association (“AAA”) under the AAA rules applicable to consumer disputes unless the parties agree to another administrator or procedure.
Arbitration may be conducted remotely, by telephone, by written submissions, or at another location consistent with applicable arbitration rules and law. Compair will pay arbitration fees to the extent required by applicable law or applicable consumer arbitration rules.
The arbitrator may award the same individual remedies that would be available in court to the extent authorized by applicable law.
Either party may bring an eligible individual claim in small claims court.
Compair may seek injunctive or equitable relief in court concerning actual or threatened infringement, unauthorized access, security violations, misuse of Compair’s intellectual property, or misuse of confidential information.
Nothing in these Terms prevents you from reporting a matter to, communicating with, or filing a complaint with an insurance regulator, Attorney General, Federal Trade Commission, Federal Communications Commission, consumer-protection authority, law-enforcement agency, or other governmental authority.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND COMPAIR AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION.
Unless both parties agree otherwise, the arbitrator may not consolidate the claims of multiple individuals or preside over a class or representative proceeding.
TO THE EXTENT A COVERED DISPUTE IS SUBJECT TO ARBITRATION, YOU AND COMPAIR KNOWINGLY WAIVE THE RIGHT TO HAVE THAT DISPUTE DECIDED BY A JUDGE OR JURY IN COURT.
You may opt out of this arbitration agreement by emailing support@compairins.com within 30 days after you first affirmatively accept a version of these Terms containing this arbitration provision.
Your email must contain the subject line ARBITRATION OPT-OUT and include your full name, the email address associated with your Compair account or transaction, and a clear statement that you are opting out of the arbitration provision in Compair’s Terms and Conditions.
A valid arbitration opt-out will not affect any other provision of these Terms.
To the extent a dispute may properly proceed in court rather than arbitration, and unless applicable law requires otherwise, you and Compair consent to jurisdiction and venue in the state courts located in Oakland County, Michigan, or the applicable federal court within the United States District Court for the Eastern District of Michigan.
These Terms will be governed by the laws of the State of Michigan, without regard to conflict-of-laws principles, except where federal law or another applicable law controls.
The arbitration provision is governed by the Federal Arbitration Act.
You may stop using the Services at any time.
Compair may restrict, suspend, or terminate access if Compair reasonably believes that a user has violated these Terms, engaged in fraud or unlawful activity, created a security risk, abused the Services, or placed Compair, an insurer, another user, or another person at risk.
Termination of a Compair account or Service does not itself cancel, terminate, modify, or replace an insurance policy issued by an insurance carrier.
Compair may update these Terms from time to time to reflect changes to the Services, technology, insurance relationships, business practices, regulatory requirements, or applicable law.
Compair will update the “Last Updated” date when these Terms are revised.
Where legally required, Compair will provide additional notice or obtain additional consent before a material change becomes effective.
Material changes to an existing paid subscription will apply only as permitted by applicable law and applicable subscription disclosures.
A material change to the arbitration provision will not apply retroactively to a dispute of which Compair had actual written notice before the change became effective unless permitted by applicable law.
If any provision of these Terms is found invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law and the remaining provisions will remain in effect, subject to any special severability requirements applicable to the arbitration provision.
Compair’s failure to enforce a provision of these Terms does not waive Compair’s right to enforce that provision or another provision later.
You may not assign or transfer your rights or obligations under these Terms without Compair’s prior written consent.
Compair may assign or transfer these Terms in connection with a merger, acquisition, financing, restructuring, sale of assets, change of control, or other lawful business transaction.
Except as expressly stated in these Terms, these Terms do not create rights in any third party.
These Terms, our Privacy Policy and Insurance & Financial Privacy Notice, and any additional disclosures, authorizations, or terms expressly presented for a particular Compair Service constitute the applicable agreement between you and Compair concerning the Services.
If specific terms presented for a particular product or Service conflict with these general Terms, the more specific terms control for that product or Service to the extent of the conflict.
Provisions that by their nature should survive termination, including provisions relating to intellectual property, payment obligations, disclaimers, limitations of liability, indemnification, dispute resolution, governing law, and miscellaneous contractual provisions, will survive termination.
Compair’s insurance Services are intended for insurance transactions in the United States and in jurisdictions in which Compair and participating insurance carriers are authorized to conduct the applicable business.
Questions concerning these Terms may be directed to:
Compair Insurance Quotes LLC
Email:
support@compairins.com
Website:
https://compairinsurance.com/