Terms and Conditions

1. Acceptance of These Terms

These Terms and Conditions (“Terms”) govern your use of cookinsure.com and your relationship with Cook Insurance, Inc. (“Cook Insurance,” “we,” “us,” or “our”) as a prospective or current client, including any text messages we send you. By using our website, requesting a quote, opting in to text messages, or working with us, you agree to these Terms and to our Privacy Policy.

2. Who We Are - Independent Insurance Agency

Cook Insurance is an independent insurance agency, not an insurance company. We do not underwrite policies, and we do not decide whether to approve or deny coverage or a claim. Our role is to help you compare coverage options across our network of A-rated carriers and to help you apply for and service the policy you choose. Final decisions about coverage, pricing, and claims are made by the insurance carrier, not by Cook Insurance.

Cook Insurance holds Arizona insurance producer license #659942, and is also licensed in Utah, Idaho, and California.

3. Quotes Are Not a Guarantee of Coverage

Any quote we provide is an estimate based on the information available at the time. A quote is not a binding offer of insurance and does not guarantee that coverage will be issued, or at what price. Coverage only takes effect once a carrier approves your application and issues a policy.

4. Accuracy of Your Information

You are responsible for providing accurate and complete information when requesting a quote or applying for coverage. If information you provide turns out to be incorrect or incomplete, and this leads to a claim being denied, coverage being reduced, or a policy being voided or cancelled by the carrier, responsibility for that outcome rests with you, not with Cook Insurance.

5. No Separate Broker Fees

Cook Insurance does not charge you a separate fee for our services. We are compensated through commissions paid by the insurance carriers we place coverage with.

6. Purchasing Coverage

You cannot purchase or bind an insurance policy directly through cookinsure.com. Every policy is set up through a conversation with one of our licensed agents, by phone or in person, to make sure your coverage is set up correctly.

7. Premium Payments

Premiums are paid directly to your insurance carrier or premium finance company through their own payment portal or billing process. Cook Insurance does not collect or process premium payments through this website. Late or missed payments are handled under your carrier's or finance company's terms, which may include cancellation of your policy.

8. Member Portal

Our website includes a members area where existing clients can view their policy documents. You are responsible for keeping any login details for the portal secure, and for any activity that occurs using your login.

9. Claims Assistance

If you need to file a claim, contact us and we will help you document and submit it to the carrier correctly. The decision to approve, deny, or pay a claim is made entirely by the insurance carrier, not by Cook Insurance.

10. Text Messaging Program

Program name: Cook Insurance Text Messages

What we send: Cook Insurance sends text messages to clients and prospective clients who opt in, about quote requests, policy service, renewals, coverage changes, claims assistance, appointment reminders, and replies to your questions.

How to opt in: You can opt in by checking the text message consent box on our website forms, or by giving us your consent in person, by phone, or in writing. Consent to receive text messages is not a condition of buying any insurance product or service.

Message frequency: Message frequency varies based on your quote, policy, and service needs.

Cost: Message and data rates may apply. Check your mobile plan for details.

How to opt out: Reply STOP, CANCEL, END, QUIT, or UNSUBSCRIBE to any message. You will receive one confirmation text, and no further messages will be sent. To start receiving messages again, reply START.

Help: Reply HELP to any message, call us at 480-986-4400, or email info@cookinsure.com.

Carriers: Wireless carriers are not liable for delayed or undelivered messages.

Changing your number: If you change or give up the mobile number you opted in with, please let us know so we can stop texting that number.

Privacy: We never share your mobile number or text messaging consent with third parties for marketing purposes. See Section 6 of our Privacy Policy for details.

11. Email and Phone Communications

When you request a quote or work with us, you agree that we may contact you by phone or email about your request, your policy, renewals, and claims. If you subscribe to our newsletter, you can unsubscribe at any time using the link in any newsletter email.

12. Minors

We do not interact directly with anyone under the age of 18. If a minor needs to be added to a policy - for example, a teenage driver - a parent or legal guardian must handle all communication, decisions, and paperwork with our agency on the minor's behalf.

13. Third-Party Links and Partners

Our website links to third-party services, including carrier payment portals, our online quote form platform, and our Mexico auto insurance partner, Mexipass. Once you leave cookinsure.com to use one of these services, that provider's own terms and privacy practices apply. Cook Insurance is not responsible for the content, security, or practices of third-party websites.

14. Website Use

You agree to use cookinsure.com only for lawful purposes. You may not use the site to submit false information, attempt to gain unauthorized access to any part of the site, or interfere with its normal operation.

15. Website Information Is Not Coverage Advice

Articles, pricing averages, and coverage explanations on cookinsure.com are general information only. They do not change the terms of any policy and are not a recommendation for your specific situation. Your policy documents control what is covered. For advice about your own coverage, talk to one of our licensed agents.

16. Complaints About Our Agency

If you have a concern about the service you received from Cook Insurance - as opposed to a concern about your carrier or your coverage - contact Steven Wade directly at 480-986-1163 or info@cookinsure.com, and he will personally address it with you.

17. Limitation of Liability

Our website and the information on it are provided for general informational purposes. Cook Insurance is not liable for damages or losses arising from your use of this website, your reliance on general information provided on it, or delays or errors beyond our reasonable control, including delayed or undelivered text messages. This section does not limit any responsibility that cannot lawfully be limited under Arizona law.

18. Intellectual Property

The content on cookinsure.com, including text, images, and logos, belongs to Cook Insurance or its licensors and may not be copied or reused without our permission, other than for your own personal, non-commercial use.

19. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict of law rules.

20. Changes to These Terms

We may update these Terms from time to time. The most current version will always be posted on cookinsure.com with its effective date.

21. Contact Us