HoneyQuote.com offers insurance products and services through its licensed insurance agency, JZ Insurance Associates, LLC. A quote on the HoneyQuote.com is not a binding agreement. Placing an order for a new policy and entering your payment information on HoneyQuote.com does not mean your new policy is active or bound. Your new policy will only be bound when you receive a payment confirmation email with a letter of proof of insurance. We try to make our coverage explanations and scenarios as accurate as possible, but sometimes different factors can influence the final price. Coverage may not be available in all states. Coverage terms and exclusions are governed by your insurance policy. By using HoneyQuote.com, you are agreeing to the terms & conditions. In order to bring you accurate price comparisons, we run a consumer report, which includes information about your personal credit profile. This allows us to determine your insurance score and offer you the best rates. By using HoneyQuote.com, you agree to the Fair Credit Reporting Act, authorizing JZ Insurance Associates, LLC and its partners to obtain information about your personal credit profile from LexisNexis Risk Solutions.