Last updated: 21 July 2025

Welcome to autoinsuquotes.com (the “Site”), operated by Soto Insurance Inc (“Soto,” “we,” “our,” or “us”). By accessing or using the Site, you (“you,” “your,” or “User”) agree to be bound by these Terms of Use and any additional terms referenced herein (collectively, the “Terms”). If you do not agree, please exit the Site.

1. Acceptance of Terms

Accessing or using any part of the Site, submitting a form, or otherwise interacting with our content constitutes acceptance of these Terms and our [Privacy Policy](https://autoinsuquotes.com/policy-page). You represent that you are at least 18 years of age and legally capable of entering into this agreement.

2. Our Services

The Site operates as a lead‑generation and pre‑qualification platform. We collect your information and share it with licensed insurance agents, carriers, or other service providers (“Partners”) so they can contact you with quotes or information you request. Soto is not an insurance carrier and does not issue policies directly.

3. No Guarantee of Quotes or Coverage

Submission of information through the Site does not guarantee that you will receive a quote or obtain insurance coverage. All underwriting decisions are made by Partners according to their criteria. Pricing and availability of insurance products may change without notice.

4. User Obligations

Accurate Information. You agree to provide true, current, and complete information in all forms or quizzes on the Site.

Lawful Use. You may not use the Site for any unlawful purpose, to solicit others to perform or participate in unlawful acts, or to violate any regulations, rules, laws, or local ordinances.

No Reverse Engineering. You shall not copy, modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, or sell any information or services obtained from the Site.

5. Intellectual‑Property Rights

All content on the Site—including text, graphics, logos, and software—is the property of Soto or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual‑property laws. You are granted a limited, non‑exclusive, non‑transferable license to access and use the Site for personal, non‑commercial purposes only.

6. Third‑Party Links & Services

The Site may contain links to third‑party websites or services not owned or controlled by Soto. We are not responsible for the content, privacy policies, or practices of any third‑party sites. Linking to them is at your own risk.

7. Disclaimer of Warranties

THE SITE AND ALL INFORMATION, CONTENT, PRODUCTS, AND SERVICES MADE AVAILABLE TO YOU THROUGH THE SITE ARE PROVIDED ON AN “AS‑IS” AND “AS‑AVAILABLE” BASIS. SOTO MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE CONTENT PROVIDED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SOTO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100).

9. Indemnification

You agree to indemnify, defend, and hold harmless Soto and its affiliates from and against any claims, liabilities, damages, losses, and expenses—including reasonable attorneys’ fees—arising out of or in any way connected with (a) your access to or use of the Site, (b) your violation of these Terms, or (c) your violation of any law or the rights of any third party.

10. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict‑of‑law principles. Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Pasco County, Florida, and you consent to the personal jurisdiction of such courts.

11. Changes to the Terms

We may update these Terms from time to time. Any changes will be effective immediately when we post the revised Terms on the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms. The “Last updated” date at the top reflects the most recent revision.

12. Termination

We reserve the right, in our sole discretion, to terminate or restrict your access to the Site, without notice, for conduct that we believe violates these Terms or is harmful to other Users, us, or third parties, or for any other reason.

13. Contact Information

Questions about these Terms? Email [email protected] or write to:
Soto Insurance Inc
4252 Glade Woop Loop
New Port Richey, FL 34655, USA

By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.