Editorial Policy
How we choose data, write pages, correct mistakes and stay independent.
Accuracy first
- Only real data. Statistics come from official or widely recognized public sources — the NAIC, state insurance departments, NHTSA, IIHS-HLDI, the Insurance Research Council, the FBI, the Census Bureau, FEMA and similar. Each page lists the sources it uses.
- No invented numbers. When a figure isn't published, we leave it out rather than guess. Estimates are always labeled as estimates and produced by our published methodology.
- Timeless wording. Pages describe the latest available data without implying it is live. The data vintage in use is disclosed on the methodology page.
Independence
- We don't sell insurance, earn commissions or accept payment from insurers or agencies for coverage, placement or wording.
- We don't rank insurance companies, because consistent, verifiable company-level rate data isn't available for every state.
- Advertising is clearly labeled and separated from content. Advertisers cannot review or influence pages.
- Agency listings come from open data (OpenStreetMap and All The Places) and are neither endorsements nor paid placements. We don't link to agency websites.
Review and updates
Data is refreshed when sources publish new editions. State rules — minimum limits, no-fault systems, SR-22 practice — are checked against each state insurance department. Model and methodology changes are documented on the methodology page.
Corrections
If you believe something is wrong, contact us with the page and the source that shows the correct information. We review every report and correct verified errors promptly.
Authorship
Pages are written and reviewed by the carinsurance-near.com team as an organization. We don't use fictional author names or claimed credentials.