Privacy Policy
Effective Date: 05/19/2026 Website: PrateInsurance.com Company: Preferred Rate Insurance (“Preferred Rate Insurance,” “we,” “our,” or “us”)
Preferred Rate Insurance respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information obtained through our website, communications, insurance applications, products, and services.
By using this website or submitting information to us, you consent to the practices described in this Privacy Policy.
Mobile Opt in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.
Mobile Opt in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.
Information We Collect
We may collect personal, insurance, financial, and technical information including:
-Name
-Address
-Email address
-Telephone number
-Date of birth
-Driver’s license information
-Insurance history
-Vehicle, property, or business information
-Payment or billing information
-IP address and browser/device information
-Website usage data collected through cookies and analytics tools
Information may be collected when you:
-Request a quote
-Submit a contact form
-Purchase or service an insurance policy
-Call, email, or text us
-Visit or interact with our website not a condition of purchas
How We Use Information
We may use your information to:
-Provide insurance quotes and services
-Process applications, payments, and claims
-Communicate regarding policies or requests
-Provide customer support
-Send service-related communications
-Improve website functionality and customer experience
-Detect fraud or unauthorized activity
-Comply with legal and regulatory obligations
SMS Communications
By providing your mobile phone number and checking the SMS consent box on our forms, you expressly consent to receive recurring automated and non-automated SMS text messages from Preferred Rate Insurance regarding:
-Insurance quotes
-Policy servicing
-Claims updates
-Billing notifications
-Appointment reminders
-Customer support
-Conversational communications
Message frequency may vary.
Message and data rates may apply.
Consent to receive SMS messages is not required as a condition of purchasing insurance products or services.
SMS messages may be sent using an automatic telephone dialing system or other automated technology.
You may opt out at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any message.
For assistance, reply HELP or contact us directly at:
Website: PrateInsurance.com
Phone: 630-339-7868
Email: contact@prateinsurance.com
Mobile carriers are not liable for delayed or undelivered messages.
SMS Consent & Non-Sharing Policy
Mobile opt-in, SMS consent, and phone numbers collected for SMS communication purposes will not be shared, sold, rented, or disclosed to third parties or affiliates for marketing purposes.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Information collected during the SMS consent process is used solely for communicating with you regarding requested insurance-related services.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Information Sharing
We may share information as necessary to provide insurance products and business operations, including with:
-Insurance carriers
-Underwriting partners
-Claims administrators
-Licensed agents and brokers
-Payment processors
-Technology service providers
-Regulatory agencies or legal authorities
-Vendors assisting with business operations
We may disclose information when required by law, regulation, subpoena, court order, or to protect against fraud or unauthorized activity.
We do not sell personal information.
Cookies & Analytics
Our website may use cookies, pixels, analytics software, and similar technologies including tools such as Google Analytics or advertising platforms to:
-Analyze website traffic
-Improve user experience
-Measure advertising effectiveness
-Maintain website security
-Support remarketing or advertising campaigns
You may disable cookies in your browser settings; however, portions of the website may not function properly.
Data Security
We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, or loss.
While we use commercially reasonable security measures, no system can guarantee complete security.
Insurance Privacy Disclosure
As an insurance agency operating nationwide, we may collect and use nonpublic personal information in accordance with applicable federal and state insurance privacy laws, including the Gramm-Leach-Bliley Act (GLBA).
Information may be shared with insurance carriers and underwriting partners solely for insurance-related business purposes.
Consumer Privacy Rights
Depending on your state of residence, you may have rights regarding your personal information, including the right to:
-Access personal information
-Correct inaccurate information
-Request deletion where permitted by law
-Opt out of certain communications
-Appeal certain privacy decisions
Residents of states with applicable privacy laws, including California and other states, may have additional rights.
To submit a privacy request, contact us using the information below
Call Recording Disclosure
Telephone calls may be monitored or recorded for quality assurance, training, compliance, and customer service purposes where permitted by law.
Third-Party Websites
This website may contain links to third-party websites. Preferred Rate Insurance is not responsible for the privacy or security practices of external websites.
Children’s Privacy
Our services are not directed to individuals under the age of 13, and we do not knowingly collect personal information from children.
Policy Updates
We reserve the right to modify this Privacy Policy at any time. Updates become effective immediately upon posting to this page.
Contact Information
Preferred Rate Insurance
Website: PrateInsurance.com
Phone: 630-339-7868
Email: contact@prateinsurance.com
Illinois Office:
1S376 Summit Ave 1G,
1S376 Summit Ave 1G,
Oakbrook Terrace, IL 60181
Naples, Florida Office:
1421 Pine ridge Rd, Suite 228
1421 Pine ridge Rd, Suite 228
Naples, Florida, 34109
SMS Terms & Conditions
SMS Consent Communication
Types of SMS Communications
Example:
Message Frequency:
Potential Fees:
Opt-In Method
Opt-Out Method
HELP Instructions
Age Restriction
You must be 18 years of age or older to use this SMS service.
Phone numbers obtained during the SMS consent process will not be shared with third parties or affiliates for marketing purposes.
Types of SMS Communications
If you consent to receive text messages from Preferred Rate Insurance, you may receive messages related to:
-Insurance quotes
-Policy updates
-Claims communications
-Billing notifications
-Appointment reminders
-Customer support
-Conversational messaging
Example:
“Hello, this is Preferred Rate Insurance regarding your insurance inquiry. Reply STOP to opt out at any time.”
Message Frequency:
Message frequency may vary depending on your interaction with our services.
You may receive up to 2–5 messages per week.
Potential Fees:
Standard message and data rates may apply depending on your carrier’s pricing plan.
Opt-In Method
You may opt in by:
-Completing a website form
-Requesting an insurance quote
-Providing verbal consent where permitted
Opt-Out Method
You may opt out at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT.
HELP Instructions
Reply HELP for assistance or contact:
Website: PrateInsurance.com
Phone: 630-339-7868
Email: contact@prateinsurance.com
Standard Messaging Disclosures
Message and data rates may apply.
Message frequency may vary.
Reply STOP to opt out.
Reply HELP for assistance.
Consent is not a condition of purchase.
Mobile carriers are not liable for delayed or undelivered messages.
Age Restriction
You must be 18 years of age or older to use this SMS service.