Terms of Use

Effective Date: 08/08/2025

Introduction

Welcome to Top Car Warranty (“we,” “our,” or “us”). These Terms and Conditions govern your use of our website, https://top-carwarranty.com/rates/ (“Website”). By accessing or using our Website, you agree to comply with these Terms. If you do not agree, please do not use our Website.

This site uses proprietary technology to connect drivers with various insurance carriers, brokers, agents, and other referral partners. It does not represent any single insurance provider.

National average 12-month savings of new customers surveyed between June 2022 and May 2023 who switched coverage through one of our participating advertisers. Actual savings and rates vary based on factors such as state, driver profile, and coverage choices.

† Sample rates are based on a 33-year-old female driver with favorable attributes, location, and driving history. Quotes assume:

• “Minimum” coverage: state-mandated minimum liability limits
• “Standard” coverage: $50,000 personal injury / $100,000 property damage liability
• “Full” coverage: $100,000 personal injury / $300,000 property damage liability, plus comprehensive and collision with a $500 deductible

‡ Discounts are subject to eligibility and availability from participating advertisers.

Use of Website

• You must be at least 18 years old to use our Website.
• You agree to use the Website only for lawful purposes and in accordance with these Terms.
• We reserve the right to modify, suspend, or discontinue the Website at any time without notice.

Intellectual Property Rights

All content on this Website, including text, graphics, logos, and software, is the property of Top Car Warranty or its licensors and is protected by copyright and trademark laws.

You may not copy, reproduce, distribute, or modify any content without our prior written consent.

Disclaimer of Warranties and No Liability

The Website is provided “as is” and “as available” without warranties of any kind.

• We do not guarantee that the Website will be error-free or uninterrupted.
• We are not responsible for the accuracy, completeness, or reliability of any content.
• We shall not be liable for any damages of any kind arising from the use of this Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

You use the Website at your own risk, and we assume no liability for any losses, damages, or expenses incurred through your use of the Website.

Collection of Data

We may collect personal information such as your name, email address, phone number, ZIP code, and other relevant details voluntarily provided by you.

Non-personal data such as your IP address, browser type, and pages visited, may be collected through cookies and tracking technologies.

Your data may be used for providing services, improving user experience, marketing purposes, and complying with legal obligations.

By using our Website, you consent to the collection and processing of your data in accordance with our Privacy Policy.

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of the Website.

This includes, but is not limited to, loss of profits, data, or business opportunities.

Third-Party Links

Our Website may contain links to third-party websites for your convenience. We do not endorse or assume any responsibility for the content, privacy policies, or practices of third-party websites.

Indemnification

You agree to indemnify and hold harmless Top Car Warranty, its affiliates, officers, directors, employees, and agents from any claims, damages, or expenses arising out of your use of the Website or violation of these Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Florida, United States.

Any disputes arising under these Terms shall be resolved in the courts of Florida.

Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice.

Your continued use of the Website constitutes acceptance of the revised Terms.

Contact Information

If you have any questions about these Terms, please contact us at: support@top-carwarranty.com

By using our Website, you acknowledge that you have read and understood this Privacy Policy.