Terms of Use
These Terms of Use explain how you can use CoverPair. CoverPair is a free matching service, not an insurance company, agency, or broker, and it does not set rates or sell insurance.
Welcome to CoverPair
CoverPair is a free online service designed to help drivers understand car insurance basics and connect with a licensed insurance agent or broker.
CoverPair is not an insurer, not a licensed agency, and not a broker. We do not sell, negotiate, or bind insurance, and we do not provide insurance quotes, rate estimates, or guaranteed savings.
By using this website, you agree to these Terms of Use.
What we do (and what we don’t)
We help you share general information about your situation so we can connect you with a licensed agent or broker who may be able to help you compare options.
We provide general, educational information about car insurance. The final coverage choices, pricing, eligibility, and any policy terms are determined by the licensed agent/broker and the insurance company.
Using the site safely
You agree not to submit false, misleading, or fraudulent information.
Please do not share sensitive identification details on this site, such as your Social Security number, driver’s license number, or any existing insurance policy number. If a licensed agent needs information for their process, they will ask you directly as appropriate.
You are responsible for maintaining the confidentiality of any login or account information you create (if available).
Matching and communications
When you request a match, CoverPair may use the details you provide to connect you with a licensed agent or broker. Matching depends on availability and other factors.
We do not guarantee that you will be approved for coverage or that you will receive a specific price or discount.
After you are matched, a licensed agent or broker may contact you by phone, email, or other methods. Review any communications carefully and ask questions about coverage, pricing, and eligibility.
Fees and how we are paid
CoverPair is free for you to use.
Participating licensed agents or brokers may pay a flat marketing/matching fee to CoverPair. This is not based on a percentage of your premium and does not control the coverage terms offered to you by insurers.
Disclaimers and limits of liability
CoverPair provides general information and a matching connection, not legal, financial, or insurance advice.
Insurance laws, coverage names, requirements, and pricing vary by state and by insurer. For guidance about your situation, you should speak with a licensed agent or broker.
To the fullest extent allowed by law, CoverPair is not responsible for damages or losses arising from your reliance on general information, your interactions with licensed agents/brokers, or the outcome of any insurance application.
Privacy, Terms updates, and contact
Our Privacy Policy explains what information we collect and how we use it. Please review it before using the site.
We may update these Terms of Use from time to time. The updated version will be posted on this page with a new effective date.
Questions? Visit our Contact page for help, or learn more about CoverPair in About. If you’re ready to get matched, start at Get matched.
CoverPair is free and helps you connect with a licensed agent, but it isn’t an insurer or broker and it doesn’t give quotes, guarantees, or insurance advice.