1. About AiM
AiM Insurance (“AiM,” “we,” “us,” or “our”) is an independent insurance negotiation service operated by Car Concierge Pro. We are not an insurance carrier and we do not underwrite, bind, or issue insurance policies. We act as your advocate to review existing or prospective insurance, gather competing quotes, and negotiate terms with licensed carriers and brokers on your behalf. The insurance contract is always between you and the carrier.
2. Eligibility
You must be at least 18 years old and legally able to enter into binding contracts in your jurisdiction to use our services. By using the site, you represent that you meet these requirements.
3. Our services and fees
The initial review of your policy is free. Our fees are:
- 25% of first-year savings. Where we negotiate a lower premium than your current or competing offer for materially the same coverage, the success fee is 25% of the difference between the annual premium you were paying and the annual premium you accept. It is charged once, on the first year only.
- $149 flat, for new-policy placement. Where we source and place a policy you did not previously hold, there is no prior premium to measure savings against, and the work is charged as a flat fee instead.
- Nothing, if we find no savings. If we cannot beat your current policy, you owe us nothing. There is no retainer, consultation fee or subscription.
Which fee applies to your engagement, and the exact amount, will be disclosed to you in writing before you accept any quote. A fee is owed only if you accept a result we negotiated — whether your existing carrier reprices the policy you already hold or you bind a new policy we sourced. If you decline what we find, or keep your policy at the price you were already paying, nothing is owed. Fees are invoiced by AiM separately from your premium.
You are responsible for paying premiums directly to the carrier you select. AiM does not collect or remit premium payments. A plain-language summary of these fees, with worked examples, is on our pricing page; if that page and this section ever disagree, this section governs.
4. No insurance advice
Our team is made up of negotiation specialists, not licensed attorneys, accountants, or financial planners. Information we provide is for general informational purposes and is not legal, tax, or fiduciary advice. Coverage decisions are yours. We encourage you to consult a licensed insurance agent, broker-of-record, or attorney for advice tailored to your circumstances.
5. Your responsibilities
- Provide accurate, complete, and current information about yourself, your household, and the assets you want covered.
- Promptly tell us about changes (new drivers, vehicles, homes, vessels, aircraft, or claims) that could affect coverage.
- Review every quote, policy document, and binder for accuracy before binding coverage. You are responsible for what you accept.
- Pay premiums on time and follow the carrier’s claims and cancellation procedures.
- Use the site lawfully: do not attempt to disrupt it, probe its security, scrape it without permission, or use it to harass others.
6. Quotes are estimates
Quotes are non-binding until you accept them in writing and the carrier issues a policy. Premiums, coverage, eligibility, discounts, and effective dates are set by the carrier and may change based on underwriting review, motor vehicle records, credit-based insurance scores, inspections, or other carrier criteria. Savings figures shown on our site (such as an average saving of $1,247+ a year) are based on historical client outcomes and are not a guarantee of your individual savings.
7. Intellectual property
The site, including its text, graphics, logos, images, and code, is owned by AiM or its licensors and is protected by copyright, trademark, and other laws. You may view and use the site for personal, non-commercial purposes. You may not copy, modify, distribute, republish, or create derivative works without our prior written permission, except for short excerpts with proper attribution and a link back to the source.
8. Third-party links
The site may link to third-party sites, including carrier portals and review platforms. We do not control those sites and are not responsible for their content, products, services, or privacy practices. Your use of any third-party site is at your own risk.
9. User communications
When you contact us (by form, email, phone, or SMS), you agree that we may respond using the channels you provided. We may record or transcribe calls for quality assurance and recordkeeping where permitted by law. Standard message and data rates may apply for SMS.
10. Disclaimer of warranties
THE SITE AND OUR SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY NEGOTIATION WILL RESULT IN SAVINGS.
11. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, AIM, ITS AFFILIATES, AND ITS PERSONNEL WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE TOTAL FEES YOU PAID TO US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED US DOLLARS (US$100), WHICHEVER IS GREATER. SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS, SO THEY MAY NOT APPLY TO YOU IN FULL.
12. Indemnification
You agree to defend, indemnify, and hold harmless AiM, its affiliates, and its personnel from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the site or our services, (b) your violation of these terms, or (c) your violation of any third-party right.
13. Termination
You may stop using the site at any time. We may suspend or terminate your access to the site or our services at any time, with or without notice, if you breach these terms or if we reasonably believe your use creates risk for us or others.
14. Governing law and disputes
These terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws rules. The state and federal courts located in Maricopa County, Arizona will have exclusive jurisdiction over any dispute that is not subject to arbitration, and you consent to personal jurisdiction there.
Informal resolution first. Before filing any claim, please contact us at [email protected] so we can try to resolve the issue. Most concerns can be resolved within thirty days.
15. Changes
We may update these terms from time to time. When we do, we will revise the “Last updated” date above. If the changes are material, we will provide a more prominent notice. Your continued use of the site after a change takes effect means you accept the updated terms.
16. Contact
Questions about these terms?
- Email: [email protected]
- Phone: +1-602-910-2500
- Web: /contact