Terms & Conditions

Effective Date: September 2025
Last Updated: September 2025

Welcome to www.saferinsurance.com (the “Site”), operated by Safer Insurance Agency, Inc. (“Company,” “we,” “our,” or “us”). By accessing or using this Site, you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, please discontinue use of our Site immediately.

1. About Us

Safer Insurance Agency, Inc. is a licensed independent insurance agency LIC. 0E67714 that works with multiple insurance carriers to provide a wide range of insurance products, DMV-related services, and health insurance assistance through Covered California.

  • DMV Disclaimer: We are licensed by the California Department of Motor Vehicles (DMV), Occupational License Number 64725, but we are not affiliated with, endorsed by, or acting on behalf of the California DMV.
  • Covered California Disclaimer: This Site is owned and maintained by Safer Insurance Agency, Inc., which is solely responsible for its content. Covered California is not affiliated with, nor does it assume responsibility for, any content on this Site.

2. Use of the Site

By using this Site, you agree to:

  • Use the Site only for lawful purposes.
  • Provide accurate, current, and complete information when requested.
  • Not engage in any activity that may disrupt or interfere with the functioning of the Site.
  • Not attempt to gain unauthorized access to any systems or networks connected to the Site.

We reserve the right to deny access to the Site or terminate services if these Terms are violated.

3. No Guarantee of Coverage or DMV Processing

  • Quotes provided through this Site are for informational purposes only and are not a guarantee of coverage, pricing, or acceptance.
  • Issuance of insurance coverage is subject to carrier underwriting guidelines and approval.
  • DMV services, including registration renewals, are subject to DMV system availability, processing times, and regulations. We are not responsible for delays or rejections caused by the DMV.

4. Intellectual Property

All content on this Site, including text, graphics, logos, icons, images, and software, is the property of Safer Insurance Agency, Inc. or its licensors and is protected under U.S. copyright, trademark, and intellectual property laws.

  • You may view and print content for personal, non-commercial use only.
  • You may not copy, distribute, reproduce, or modify Site content without our prior written consent.

5. Third-Party Links

The Site may contain links to third-party websites. These links are provided for convenience only. Safer Insurance Agency, Inc. does not endorse, control, or assume responsibility for third-party websites or services.

6. Disclaimer of Warranties

The Site and services are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.

We do not guarantee:

  • Accuracy or completeness of content on the Site.
  • Continuous, error-free, or secure access to the Site.
  • Approval of insurance policies, DMV transactions, or Covered California applications.

7. Limitation of Liability

To the fullest extent permitted by law, Safer Insurance Agency, Inc. shall not be liable for any damages arising out of or related to:

  • Use or inability to use the Site.
  • Delays, errors, or rejections by insurance carriers, DMV systems, or Covered California.
  • Loss of data, unauthorized access, or security breaches beyond our reasonable control.
  • Any indirect, incidental, special, or consequential damages.

Your sole and exclusive remedy for dissatisfaction with the Site or services is to discontinue use.

8. Indemnification

You agree to defend, indemnify, and hold harmless Safer Insurance Agency, Inc., its officers, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, or expenses (including attorneys’ fees) arising from:

  • Your use of the Site or services.
  • Your violation of these Terms.
  • Your violation of any applicable law or rights of a third party.

9. Governing Law & Jurisdiction

These Terms shall be governed by the laws of the State of California, without regard to conflict-of-law principles.

Any disputes shall be resolved exclusively in the state or federal courts located in San Diego County, California, and you consent to personal jurisdiction in such courts.

10. Changes to Terms

We may update these Terms at any time without prior notice. The “Last Updated” date will reflect changes. Continued use of the Site constitutes acceptance of the updated Terms.

11. Contact Us

For questions or concerns regarding these Terms & Conditions, please contact us at:

Safer Insurance Agency, Inc.
337 E San Ysidro Blvd, Suite D
San Ysidro, CA 92173
Phone: (619) 428-1333
Email: info@saferinsurance.us