Who writes the guides?
The Rate Insurances team. We publish under a team byline rather than individual names.
Do you use AI?
Yes. AI tools research topics and write our drafts. An automated fact-check then compares each specific figure, date and rule with official and primary sources, and drafts that don’t pass aren’t published. Articles aren’t individually reviewed by a person before they go live, which is why we welcome corrections. We take responsibility for what we publish.
Where do your facts come from?
Our guides draw on information from state insurance regulators, the National Association of Insurance Commissioners and insurers’ published policy documents.
Have you tried the things you write about?
Not unless an article says so. Our guides are research-based, and we don’t present research as first-hand experience.
Does anyone pay for coverage?
No. We don’t take payment for articles, mentions or rankings. Our disclosure has the details.
How do you keep articles up to date?
We correct articles when we learn that rules or figures have changed. For anything time-sensitive, check the official source too.
What if I find a mistake?
Email robert [at] rateinsurances.com with the page address and the problem. We check every report and correct errors as soon as we’ve confirmed them.