Editorial approach
How we verify what we publish
Insurance affects real financial decisions, so accuracy comes before search traffic.
Where facts come from
| Priority | Source type |
|---|---|
| 1 | State insurance departments, state and federal government sites, official legislation and regulations, CMS, NAIC |
| 2 | Established nonprofits, recognized industry organizations, official insurer documents |
| 3 | Major financial and insurance publications, research organizations, consumer groups |
| 4 | General websites, never as authority for laws or regulations |
Our rules
- If we cannot verify an important claim, we leave it out or mark it unverified.
- We separate federal rules, state rules, insurer policies, estimates and our own analysis.
- State summaries are built only from that state's own agencies. If we cannot verify a state's rules, we link to the official source instead of showing figures.
- When secondary sources disagree, we use the official source and say so, as with recent minimum-limit increases that many websites still show at the old numbers.
- We separate current law from proposals and campaign positions, and we do not predict elections.
- Prices and averages are shown with source, date, geography and method, and are never presented as your expected premium.
- We do not call a company best or cheapest without a defined method, and outside rankings are attributed to their source.
- Worked examples are labeled as hypothetical and are not quotes or typical prices.
Publishing process
Research, brief, draft, fact check, SEO and technical review, internal linking, then a design review. Pages show their last substantive review date, and updates must change something real.
Advertising
This site is independent. Any advertising is clearly labeled and kept separate from content, and content is not written to push ad clicks.