Legal
Terms of Use
Last updated: July 14, 2026
By using the website of Local Auto Insurance LLC (“Local Auto Insurance,” “we,” “us”), you agree to these Terms of Use. If you do not agree, please do not use the site.
Who we are
Local Auto Insurance is an independent insurance agency licensed in Massachusetts. We are not an insurance company. Coverage is provided by the carriers we represent and is subject to underwriting approval and policy terms.
Website purpose
This site provides general information about our agency and a way to request quotes or service help. Content is for informational purposes and is not a binder of coverage, a guarantee of rates or savings, or legal, tax, or financial advice.
Quotes & submissions
Submitting a form or starting a quote does not create an insurance policy. Coverage is not bound until confirmed by a licensed agent during normal business hours and accepted by the carrier. You agree to provide accurate information. Incomplete or inaccurate details may delay service or affect available options.
Rates & savings statements
Any savings figures or example rates on the site are estimates or illustrations only. Actual premiums vary by driver, vehicle, property, coverage selections, claims history, and carrier.
Acceptable use
You agree not to misuse the site, including by attempting to disrupt it, scrape it in an abusive way, submit spam or malicious content, or use it for unlawful purposes.
Intellectual property
Site content, branding, and design belong to Local Auto Insurance or our licensors. You may not copy or reuse them for commercial purposes without written permission.
Third-party links & carrier sites
Links to carrier payment portals or other third-party sites are provided for convenience. We do not control those sites and are not responsible for their content, privacy practices, or availability.
Limitation of liability
To the fullest extent permitted by law, Local Auto Insurance is not liable for indirect, incidental, or consequential damages arising from use of this website or reliance on its content. Our total liability for claims related to the site is limited to the greater of fifty dollars ($50) or the amount you paid us (if any) for website-related services.
Indemnity
You agree to indemnify and hold Local Auto Insurance harmless from claims arising out of your misuse of the site or violation of these terms.
Governing law
These terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law rules.
Changes
We may update these terms periodically. Continued use of the site after changes means you accept the revised terms.
Contact
Local Auto Insurance LLC
481 Cooley St, Springfield, MA 01128
(413) 444-1200 · mylocalautoins@gmail.com