Our editorial policy is simple: we explain insurance clearly, we back up facts with primary sources, and nobody can pay us to change what we say. This page explains the rules our editorial team follows for every article and page on Insurance Compared Daily.
Our independence
Insurance Compared Daily is an independent publication. We are not an insurance company, agent or broker, and we do not sell insurance or give quotes.
- We take no payments from insurers.
- No affiliate links are active on the site today.
- We never name, rank or recommend specific insurance companies.
- We never sell leads or pass your details to insurers or agents.
If we add affiliate or sponsored links in the future, each one will be labelled where it appears, and our advertising disclosure page will explain it. Sponsored content would be labelled “Sponsored.” Advertisers and partners would have no say over our guides.
Sourcing standards
Every fact we state must come from a source we can link. We prefer primary and official sources, such as:
- State insurance departments, state DMVs and state statutes
- The National Association of Insurance Commissioners (NAIC)
- The Insurance Information Institute (III)
- Federal agencies, such as FEMA and the National Flood Insurance Program (NFIP), NHTSA, the CFPB, the FTC, the IRS and the SSA
- The Insurance Institute for Highway Safety (IIHS) and other primary research
When we use a number, we name the source and give an “as of” date in the same sentence. For example: “As of January 1, 2025, California’s minimum liability limits are 30/60/15 (California Department of Insurance).”
We do not invent statistics, surveys, testimonials or people. If we cannot confirm that a figure is current, we describe the idea without the number and tell you where to check. Accuracy matters more to us than completeness.
Our outbound links go only to authoritative sources. We do not link to insurers, comparison sites, lead-generation sites or affiliate offers. Read how we research for our full process and source hierarchy.
Extra care for money and safety topics
Insurance decisions affect your money, your home and your family’s security. Search engines call these “Your Money or Your Life” (YMYL) topics. We treat them with extra care:
- We write calmly and practically. We do not use fear to push you toward a decision.
- We explain what a rule is, who it applies to and where to confirm it.
- We remind you that state rules change and that your own policy documents are what count.
- We point you to official help, such as your state insurance department, when you have a dispute or complaint.
How we use AI tools
We are open about this. AI tools may assist our editorial team with research and drafting. They can help us organize notes, suggest outlines or produce a first draft.
AI tools never have the final word. Before any article is published:
- The editorial team checks every fact against the primary source.
- Any figure that cannot be verified is removed or rewritten.
- The draft is edited for plain language, accuracy and tone.
- The editorial team approves it for publishing.
Every article is published under the byline “Insurance Compared Daily Editorial Team.”
Review cadence and dates
Every article shows three dates:
| Date | What it means |
|---|---|
| Published | When the article first went live |
| Last updated | When we last changed the content |
| Last reviewed | When the editorial team last checked the facts, even if nothing changed |
We review every article at least once every 12 months. We review sooner when a state changes a law, a minimum limit or a program rule that affects the article.
Conflicts of interest
A conflict of interest is anything that could make us less objective. Today, we have no financial relationships with insurers, agents, brokers or comparison sites.
If a conflict ever arises, we will disclose it on the affected page and on our advertising disclosure page. We will not cover a topic in a way that favors any company that pays us.
Writing for non-English readers
We publish in English, Spanish, Simplified Chinese, Vietnamese and Korean. Our non-English articles are written natively, not machine-translated.
That means each article is planned for US readers who speak that language. It uses the words people actually search for. It often includes the English insurance term in brackets the first time, so you can match it to a quote or policy. It covers concerns that matter to that community, such as language help from state insurance departments, where we can confirm it.
Non-English articles follow the same sourcing, YMYL and review rules as English articles.
What “illustrative example” means
Examples help explain how insurance works. When we use one, it is clearly labelled as an illustrative example. It:
- Uses round, obviously hypothetical numbers
- Describes people by profile only, such as “a 30-year-old renter in Phoenix,” never by a real-sounding full name
- Is not a quote, an average or a prediction of what you will pay
Corrections and feedback
If you think we got something wrong, please tell us. Email with the subject “Correction,” or use our contact form. Our corrections policy explains how we respond.