How we produce editorial content

Editorial vs commercial separation

Editorial scores and commercial scores live in separate database columns and are produced by different teams. Editors cannot see commercial payouts when scoring carriers, and commercial teams cannot alter editorial scores. Sponsored placements change display order in specific, labeled contexts only.

Scoring rubric

We score every carrier on eight dimensions:

1. Pricing (rate competitiveness across driver profiles and states)
2. Coverage breadth (standard + optional coverages available)
3. Discounts (breadth and depth of legitimate discounts)
4. Availability (states served, restrictions)
5. Claims experience (public complaint ratios, NAIC data)
6. Customer experience (verified customer research)
7. Digital experience (app + web usability review)
8. Financial strength (public ratings from A.M. Best and S&P)

See our review methodology for the full rubric with weights.

When rankings can be commercially influenced

Some pages are explicitly commercial in nature — for example, a "sponsored providers" section on a state page. These sections are labeled with a sponsored ribbon and a clear disclosure. They never share visual language with editorial rankings.

Editorial "best-of" lists never contain commercially influenced ordering. If a carrier pays us more, that does not affect where they land on an editorial ranking.

Authorship

Every editorial page has a named author and, where appropriate, a subject-matter expert reviewer. Author bios and credentials are published on their profile pages.

Corrections and updates

Errors get corrected quickly and transparently. See our corrections policy for how we handle them.