Editorial standards
The rules our content has to pass
Trust is the whole product. These are the standards every guide, state page, and explainer on this site is held to.
Accuracy first, always sourced
Every factual claim about coverage, requirements, or regulations is tied to a primary source — a state DMV, the NAIC, the III, or a federal agency — and cited on the page.
Licensed review before publication
A licensed property & casualty professional reviews each guide and state page for accuracy before it goes live, and again when the underlying rules change.
No rates or carrier claims without substantiation
We do not publish specific premium figures, savings claims, or carrier comparisons that we cannot substantiate. Where pricing is discussed, it is explained as a mechanism, not a promise.
Editorial independence from revenue
The team that writes and reviews content is separate from the relationships that fund the site. Compensation never determines a recommendation.
Dated and kept current
Guides carry a visible last-updated date. State requirements are re-checked on a regular cycle and whenever a change is reported.
Corrections in the open
If we get something wrong, we fix it and note material corrections. Reach us any time through our contact page.