Name and dates of promotion: This promotion is named “Refer-a-Friend” and is a continuous promotion until canceled by the Sponsor.  No notice of cancelation is provided to the public.

Who is the sponsor? The Sponsor is AMERICAN INSURANCE NW INC, 55 Southway Ave, Lewiston, ID and hereinafter referred to as “Sponsor”.

Acceptance of Rules: Participation constitutes the entrant’s full and unconditional agreement to these rules. The decisions of the Sponsor in all matters of this Promotion are final and binding.

Who is eligible? This promotion is restricted to Sponsor’s customers and certain other invited groups. Employees of Sponsor and their household members are not eligible to participate.

How do you enter for a Quotation Prize? You are entered for one Quotation Prize per “qualified referral”, as defined herein, that is delivered, mailed, faxed, or emailed to Sponsor’s offices or entered on Sponsor’s website at https://www.americaninsuranceid.com/referral-program.  

What is a "qualified referral"? It is the accurate name, mailing address and contact phone number of a living person, age 21 or older, who is not a current policy holder of AMERICAN INSURANCE. All residents of a household address are considered together in the limit of 10 total qualified referrals and Quotation Prizes per calendar year.

Quotation Prize: How do you receive a Quotation Prize? When a qualified referral obtains a “preferred quotation” for auto and/or home insurance from Sponsor, the person who referred them receives a $10 Gift Card! No purchase is necessary.  There is only one Quotation Prize awarded per qualified referral regardless of number of preferred quotations  provided.  There is a limit of  ten (10) $10 gift cards ($100 total) for each household address of person(s) who referred the qualified referrals per calendar year.

What is a "preferred quotation"? It is an auto or home insurance quotation that qualifies for preferred rates and discounts based on the specific underwriting rules of the insurance company being quoted. Generally, individuals in the last three years that have had auto accidents and/or driving infractions, homeowners with liability or property claims, bankruptcies or low insurance scores will not qualify for preferred quotations.

Gift Cards: Gift Card prizes will be in the denominations awarded and may be for a specific local business that provides meals, coffee, gas, or other merchandise at the discretion of the Sponsor. Sponsor may substitute a Gift Certificate when cards are not available.

Other Rules: No cash or other prize substitution, assignment or transfer of prize is permitted. The Quotation Prize recipient is solely responsible for all federal, state, and local taxes associated with the receipt of any prize or gift. No purchase necessary. Promotion is void where prohibited by law or insurance regulation.