Terms & Conditions
Last Updated: October 2026
Welcome to Prime Car Coverages. By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree with these terms, please do not use this website.
1. About Our Services
Prime Car Coverages is an independent marketing and referral service that helps consumers explore available auto insurance options and connect with third-party insurance providers or marketing partners.
Prime Car Coverages is not an insurance company and does not underwrite, issue, bind, or administer insurance policies. We do not make final decisions regarding coverage, eligibility, premiums, policy terms, or claims.
2. Insurance Information
Information provided through this website is for general informational and referral purposes only. It does not constitute an insurance policy, quote, guarantee, recommendation, or binding offer of coverage.
Coverage options, rates, eligibility, discounts, terms, conditions, and availability may vary based on your state, location, vehicle, driving history, insurance provider, and individual circumstances.
Any insurance coverage you obtain is subject to the terms, conditions, exclusions, and underwriting requirements of the applicable insurance provider.
3. Third-Party Providers
By submitting your information or contacting Prime Car Coverages, you may be connected with third-party insurance providers, agents, agencies, or marketing partners.
Third-party providers operate independently from Prime Car Coverages. We are not responsible for their products, services, policies, representations, pricing, underwriting decisions, or claims handling.
You should review the terms and privacy policies of any third-party provider before purchasing a policy or providing additional information.
4. User Information
When you submit information through our website, you agree to provide information that is accurate and complete to the best of your knowledge.
You authorize Prime Car Coverages and its participating providers or marketing partners to use the information you provide to respond to your request and present potentially relevant insurance options, subject to applicable law and our Privacy Policy.
5. Communications Consent
By submitting your information or contacting us, you may be contacted by Prime Car Coverages, participating insurance providers, agents, agencies, or marketing partners regarding your request and potentially related insurance services.
Communications may occur by telephone, email, text message, or other permitted communication methods. Consent to receive communications is not a guarantee of insurance coverage or a requirement to purchase insurance.
Message and data rates may apply. You may opt out of certain communications by following the instructions provided in those communications.
6. Website Use
You agree to use this website only for lawful purposes. You may not:
Use the website for fraudulent or unlawful purposes.
Submit false, misleading, or inaccurate information.
Attempt to interfere with the website's operation or security.
Access areas or information that you are not authorized to access.
Copy, reproduce, modify, or distribute website content without permission.
7. Intellectual Property
All website content, including text, graphics, logos, designs, and other materials, may be owned by or licensed to Prime Car Coverages and is protected by applicable intellectual property laws.
You may not reproduce, modify, distribute, or commercially use our content without prior written permission.
8. Disclaimer of Warranties
This website and its content are provided on an "as is" and "as available" basis. Prime Car Coverages does not guarantee that the website will always be available, accurate, complete, current, secure, or error-free.
We do not guarantee that any particular insurance provider, policy, coverage, rate, discount, or service will be available to you or that you will qualify for any particular insurance product.
9. Limitation of Liability
To the fullest extent permitted by applicable law, Prime Car Coverages and its owners, employees, affiliates, partners, and service providers will not be liable for any direct, indirect, incidental, consequential, or other damages arising from your use of, or inability to use, this website or services.
This includes matters relating to third-party providers, insurance policies, quotes, coverage decisions, pricing, eligibility, claims, or communications.
10. Privacy
Your use of this website is also subject to our Privacy Policy. Please review our Privacy Policy to understand how information submitted through the website may be collected, used, and shared.
11. Changes to These Terms
Prime Car Coverages may update or modify these Terms & Conditions from time to time. Any changes will become effective when posted on this website.
Your continued use of the website after changes are posted constitutes acceptance of the revised terms.
12. Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with applicable laws, without regard to conflict-of-law principles.
13. Contact Us
If you have questions regarding these Terms & Conditions, you may contact us:
Prime Car Coverages
Email: info@primecarcoverages.com
Phone: +1 (866) 254-2545
Business Hours:
Monday – Friday: 8:00 AM – 9:00 PM EST
Saturday: 9:00 AM – 6:00 PM EST
Sunday: Closed
Business Address:
2031 Spencer Rd
Smyrna, SC 29743
© 2026 Prime Car Coverages. All Rights Reserved.