Last updated: April 9, 2026
These Terms and Conditions govern your use of local-carinsurance.com (the "Site"), operated by Tom Pearson, a licensed State Farm insurance agent in Virginia. By accessing or using this Site, you agree to be bound by these terms.
Local Car Insurance is a lead generation website that connects Virginia residents with a licensed local insurance agent to receive auto insurance quotes. This Site does not bind coverage, issue policies, or guarantee any specific rate or premium.
By submitting a quote request form on this Site, you are requesting to be contacted by Tom Pearson, a licensed State Farm insurance agent, regarding your auto insurance options. Submitting a form does not obligate you to purchase any insurance product.
By providing your phone number and submitting the quote request form, you expressly consent to receive text messages (SMS) from Tom Pearson — State Farm Insurance at the number provided. Messages will relate solely to your insurance quote request and follow-up. Message and data rates may apply. You may opt out at any time by replying STOP to any message. For help, reply HELP.
Message frequency will vary based on your inquiry. We will not use your number for unrelated marketing purposes.
Rate estimates and savings figures displayed on this Site are for illustrative purposes and are based on average market data. Actual rates depend on individual factors including driving history, vehicle type, location, and coverage selections. Final rates are determined by the insurer.
The content on this Site is for general informational purposes only and does not constitute professional insurance advice. You should consult with a licensed insurance agent before making any coverage decisions.
This Site uses third-party services including Google Analytics (analytics), EmailJS (form submissions), and Twilio (SMS communications). Your use of this Site is also subject to the applicable terms and privacy policies of those services.
All content on this Site, including text, design, and code, is owned by or licensed to Local Car Insurance. You may not reproduce, distribute, or create derivative works without written permission.
To the fullest extent permitted by law, Local Car Insurance and Tom Pearson shall not be liable for any indirect, incidental, or consequential damages arising from your use of this Site or reliance on any information provided herein.
These Terms are governed by the laws of the Commonwealth of Virginia. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Virginia.
We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated date. Continued use of the Site after changes constitutes acceptance of the revised Terms.
For questions about these Terms, contact:
Tom Pearson — State Farm Insurance Agent
Email: tom.pearson.e30t@statefarm.com
Website: local-carinsurance.com