By accessing and using the Baxter Insurance Agency website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

These terms apply to all visitors, users, and customers of Baxter Insurance Agency, a licensed insurance agency in the state of Texas.

Agency Relationship

Baxter Insurance Agency is an independent insurance agency licensed in Texas. We represent Progressive and other insurance carriers to provide you with competitive quotes and coverage options.

Quote Accuracy

Insurance quotes provided are estimates based on the information you provide. Final rates and coverage terms are determined by the insurance carrier during the underwriting process. Quotes are subject to change based on:

• Verification of information provided
• Motor vehicle record checks
• Credit checks (where permitted by law)
• Insurance history verification
• Vehicle inspection requirements

Policy Binding

Insurance coverage is not in effect until you receive written confirmation from the insurance carrier. Verbal quotes or agreements do not constitute binding coverage.

Permitted Use

You may use our website to:

• Request insurance quotes and information
• Learn about insurance products and services
• Contact our agency for assistance
• Access your policy information (if you are a customer)

Prohibited Activities

You may not:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Submit false or misleading information
• Interfere with the website's operation or security
• Copy, reproduce, or distribute our content without permission
• Use automated systems to access our website

Account Security

If you create an account with us, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

Your Responsibility

You agree to provide accurate, complete, and current information when requesting quotes or purchasing insurance. Providing false or misleading information may result in:

• Denial of coverage
• Policy cancellation
• Claim denial
• Legal consequences

Updates Required

You must promptly notify us of any changes to your information that may affect your insurance coverage, including:

• Address changes
• Vehicle additions or changes
• Driver additions or removals
• Driving violations or accidents

Premium Payments

Insurance premiums are due according to the payment schedule selected. Available payment options include:

• Annual payment (full payment discount may apply)
• Semi-annual payments
• Quarterly payments
• Monthly payments (installment fees may apply)

Late Payments

Failure to pay premiums when due may result in policy cancellation. Late fees may apply as permitted by state law. We will provide required notice before cancellation for non-payment.

Refunds

Refunds for cancelled policies are handled according to the insurance carrier's terms and applicable state regulations. Processing fees may apply.

Website Availability

While we strive to maintain continuous website availability, we do not guarantee uninterrupted access. The website may be temporarily unavailable due to maintenance, updates, or technical issues.

Information Accuracy

We make every effort to ensure information on our website is accurate and current. However, insurance laws, rates, and coverage options may change. Always refer to your actual policy documents for definitive coverage terms.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of external sites.

Limitation of Liability

To the maximum extent permitted by law, Baxter Insurance Agency shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services.

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

View our complete Privacy Policy →

Our Content

All content on our website, including text, graphics, logos, images, and software, is the property of Baxter Insurance Agency or our licensors and is protected by copyright and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include the right to:

• Modify or copy our content
• Use content for commercial purposes
• Remove copyright or proprietary notices
• Transfer content to another person or entity

Trademarks

"Baxter Insurance Agency" and our logo are trademarks. Progressive and other insurance company names and logos are trademarks of their respective owners.

We may terminate or suspend your access to our website and services at any time, without prior notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, or third parties.

Upon termination, your right to use our website ceases immediately. Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

Texas Law

These Terms of Service are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes arising from these terms or your use of our services shall be resolved in the courts of Harris County, Texas.

Insurance Regulations

Insurance-related disputes are subject to Texas Insurance Code and regulations of the Texas Department of Insurance. You may file complaints with the Texas Department of Insurance if you believe we have violated insurance laws or regulations.

Dispute Resolution

We encourage you to contact us directly to resolve any issues. Many concerns can be addressed through direct communication with our agency.

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on our website. We will update the "Last Updated" date to reflect when changes were made.

Your continued use of our website and services after changes are posted constitutes acceptance of the modified terms. If you do not agree to the changes, you must discontinue use of our services.

For significant changes, we may provide additional notice through email or prominent website notices.

If you have questions about these Terms of Service, please contact us:

Texas Department of Insurance

For insurance-related complaints or questions about Texas insurance regulations:

• Phone: 1-800-252-3439
• Website: www.tdi.texas.gov
• Address: P.O. Box 149104, Austin, TX 78714-9104