Terms of Use

The rules that apply when you browse the AutosByKarol website, submit a form or open an account.

Last updated: August 2026

01Accepting These Terms

These Terms of Use apply to anyone who visits the AutosByKarol website, opens an account or submits a form on it. Using the site in any of those ways means the visitor accepts these terms. Anyone who disagrees should not use the site.

02Nature of the Service

AutosByKarol helps visitors request auto insurance quotes and understand coverage such as liability limits, collision and comprehensive cover, deductibles, uninsured motorist protection and roadside help.

  • AutosByKarol does not act as an insurance carrier and does not issue or underwrite policies.
  • Quotes are estimates until an insurer reviews and accepts an application.
  • Nothing on the site is legal, tax or financial advice.
  • Rates, terms and availability are set by insurers and differ by state, vehicle and driver.

03Who May Use the Site

The site is intended for adult residents of the United States. Account holders agree to provide true, current and complete information and to update it when it changes.

04Account Security

Each account holder must keep their password private and is responsible for any activity that takes place under their account. Suspected unauthorized access should be reported promptly through the contact details at the end of these terms.

05Text Messages and Consent

Visitors who opt in at signup may receive service and promotional text messages from AutosByKarol about auto insurance. Giving consent is optional and is not required to buy anything.

  • Reply STOP to any message to stop receiving texts.
  • Reply HELP to any message for assistance.
  • Message frequency varies, and standard message and data rates may apply.

06Rules of Use

Visitors agree to use the site lawfully and respectfully. The following are not allowed:

  • Submitting information that is false or belongs to another person.
  • Attempting to break into the site, its systems or any account.
  • Scraping, copying or overloading the site with automated tools.
  • Sending harmful code, spam or unlawful material through any form.

07Content Ownership

Text, images, logos, graphics and layout on the site are owned by AutosByKarol or used with permission. Visitors may view the content for personal, noncommercial purposes only and may not reproduce or distribute it without written consent.

08Outside Websites

Links to websites run by others are offered for convenience. AutosByKarol has no control over those websites and is not responsible for their content, practices or privacy terms.

09Disclaimer of Warranties

The site and everything on it are provided “as is” and “as available.” AutosByKarol makes no warranties, express or implied, about accuracy, completeness, reliability or fitness for a particular purpose. Visitors should confirm important coverage details directly with an insurer.

10Limits on Liability

To the extent permitted by law, AutosByKarol will not be liable for any indirect, incidental, special or consequential loss that results from using the site, relying on its content or being unable to access it.

11Resolving Disputes

Any dispute connected to these terms or the site will be settled by binding arbitration on an individual basis, not in court, unless the law requires otherwise. Class actions and class arbitrations are waived.

These terms are governed by the laws of the State of Washington, without regard to its conflict of law rules.

12Changes to These Terms

AutosByKarol may update these Terms of Use at any time. Changes apply once they are posted on this page, and continued use of the site means the revised terms are accepted.

13How to Reach AutosByKarol

Questions about these Terms of Use can be sent through the details below.