Last Updated: December 10, 2025
By accessing and using the Rick's Insurance Agency website and services, you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.
These terms apply to all visitors, users, and others who access or use our website and services related to auto insurance quotes, policy information, and customer support.
Rick's Insurance Agency provides auto insurance services including but not limited to:
All insurance products are subject to underwriting approval and availability in your state.
To use our services, you must be at least 18 years old and a legal resident of the United States. You agree to provide accurate, current, and complete information during the quote request process.
You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.
Insurance quotes provided through our website are estimates based on the information you provide. Final premium amounts may vary based on additional underwriting review, verification of information, and carrier requirements.
Quotes are valid for a limited time and are subject to change. We reserve the right to modify or withdraw quotes at any time before policy issuance.
All insurance policies are governed by the terms, conditions, and exclusions set forth in the policy documents issued by the insurance carrier. Rick's Insurance Agency acts as an insurance agency and intermediary between you and the insurance carriers.
Coverage details, limits, deductibles, and exclusions are determined by the specific policy you select and the underwriting carrier. Please read all policy documents carefully.
You agree to pay all premiums when due according to the payment schedule established in your policy. Failure to pay premiums may result in policy cancellation and loss of coverage.
Payment methods accepted include credit cards, debit cards, electronic funds transfer, and other methods as specified by your policy. All payments are processed securely.
You may cancel your insurance policy at any time by providing written notice to Rick's Insurance Agency or directly to your insurance carrier. Cancellation terms, refund eligibility, and any applicable fees are governed by your policy terms and state regulations.
Cancellation may result in a short-rate penalty or flat cancellation fee as specified in your policy documents. Unearned premium refunds, if applicable, will be processed according to carrier procedures.
In the event of a loss, you must notify your insurance carrier and Rick's Insurance Agency as soon as reasonably possible. We will assist you with the claims process, but final claim decisions are made by the insurance carrier.
You agree to cooperate fully with the investigation of any claim and provide all requested documentation. False or fraudulent claims may result in policy cancellation and legal action.
You agree to use our website only for lawful purposes. You may not:
All content on the Rick's Insurance Agency website, including text, graphics, logos, images, and software, is the property of Rick's Insurance Agency or its licensors and is protected by copyright and trademark laws.
You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
By using our services, you consent to receive communications from Rick's Insurance Agency and our insurance carrier partners via phone, email, and SMS. This includes marketing messages, policy updates, and service notifications.
You may opt out of marketing communications at any time by following the unsubscribe instructions in our messages or contacting us directly. However, you may still receive transactional communications related to your policy.
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
We make no warranties regarding the accuracy, reliability, or completeness of any content on the website. Insurance coverage and policy terms are ultimately determined by the insurance carrier.
To the maximum extent permitted by law, Rick's Insurance Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our services.
Our total liability to you for any damages shall not exceed the amount of premiums you paid through our agency in the twelve months preceding the claim.
You agree to indemnify and hold harmless Rick's Insurance Agency, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.
Our website may contain links to third-party websites for your convenience. We do not control or endorse these websites and are not responsible for their content, policies, or practices. Use of third-party websites is at your own risk.
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
We will notify you of material changes via email or prominent notice on our website.
These Terms and Conditions are governed by the laws of the State of Kansas and applicable federal laws, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Reno County, Kansas.
Any dispute arising from these terms or your use of our services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.
Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association rules. You waive your right to a jury trial and to participate in class action lawsuits.
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
These Terms and Conditions, together with our Privacy Policy and any policy documents you receive, constitute the entire agreement between you and Rick's Insurance Agency regarding your use of our services.
If you have any questions or concerns about these Terms and Conditions, please contact us:
Email: [email protected]
Phone: +1 (620) 620-5140
Address: 1632 E 23rd Ave, 1st Floor, Hutchinson KS 67501