How we make money

Quote and enrollment links on our review and comparison pages carry a tracking parameter. If you buy a policy after clicking one, the insurer pays us a commission. The insurer pays it from its marketing budget, not from your premium: your rate is the one the insurer filed with your state's insurance department, identical whether you arrive through us, a search ad, or the insurer's front door. Affiliate links are marked with sponsored link attributes, and the disclosure line appears on every page that contains one.

Scores compute from the five public criteria on our methodology page: price, coverage breadth, policy mechanics, claim experience, and fine-print fairness. Commission rates are not an input to any of them. The proof is structural rather than promissory: insurers that pay us nothing are reviewed with the same template, the same Coverage Map, and the same Fit Verdict as partners, and several non-partners outrank partners in individual criteria on their review pages.

We sell no sponsored placements, no paid rankings, and no advertising slots. Insurers cannot pay to be reviewed, to change a review, or to remove a drawback. We accept no payment for links from other sites, and we buy none. If an arrangement would give an insurer influence over what a page says, we do not enter it.

Our current affiliate partners are the 11 insurers in the ranked comparison. Brands we review without a partnership are labeled as such on their review pages, and reseller brands are reviewed even when there is no commission in it, because the who-underwrites-this question is exactly where readers need independence most. The short version of this page appears as the disclosure line site-wide; the formal affiliate disclosure is at /disclosure/.