Editorial methodology

Why a methodology page exists

Insurance editorial coverage has a credibility problem. Many "best of" lists are sponsored content disguised as independent ranking. Many "review" sites are paid by the carriers they review. We don't want to be those sites — so we publish our methodology so you can evaluate the work yourself.

How ratings are constructed

For each insurance vertical, we score carriers on three dimensions:

• Cost (50-60% of overall score): average rates pulled from rate filings, third-party rate aggregators, and our own market research. Normalized to comparable coverage and standard profiles.
• Customer experience (25-35% of overall score): J.D. Power member studies, NAIC complaint indices, AM Best ratings, BBB complaints, and aggregated review platform sentiment.
• Coverage breadth (10-20% of overall score): endorsement availability, policy customization options, and the comprehensiveness of standard policy forms.

Specific weights vary by vertical based on what matters most to consumers in that category. Our specific weights and data sources are listed on each individual review page.

Who we cover

We cover major national carriers in each vertical, plus regional carriers and specialty carriers where they're competitive. We don't cover every carrier — we focus on those most likely to be relevant to consumer shopping decisions.

If we cover a carrier, we cover them whether or not they're in our referral partner network. If a carrier is not in our partner network, we still review them; we just don't have a direct "get a quote" link for them.

How we make money

QuoteYeti earns referral fees when readers click through to certain carriers from our site. Some of the carriers we review are in our referral partner network; some aren't. Our editorial ratings and recommendations are not influenced by which carriers participate.

Specifically:

• We do not accept payment for favorable reviews
• We do not adjust ratings based on referral relationships
• We do not exclude unfavorable findings about partner carriers
• We do not include "best of" recommendations driven by referral economics

This is a real commitment, not marketing language. We've turned down lucrative carrier partnerships when they came with editorial strings attached.

How we update content

Insurance markets move. Rates change. Carriers enter and exit markets. Underwriting rules shift. We update content as conditions change:

• Carrier reviews: reviewed at least annually, more often when significant changes occur
• State pages: reviewed quarterly for major regulatory changes
• "Cheapest" and "best" rankings: refreshed as new rate data becomes available
• Guides and FAQs: reviewed as regulations, products, and best practices evolve

Each editorial page shows when it was last updated. If you find outdated information, email editorial@quoteyeti.com.

Editorial corrections

If we publish something factually incorrect, we correct it promptly. Significant corrections include a "Correction" note on the page describing what changed.

Data sources

Our editorial work draws on:

• Carrier rate filings (publicly available through state insurance departments)
• NAIC (National Association of Insurance Commissioners) complaint indices
• J.D. Power and Associates consumer satisfaction studies
• AM Best financial strength ratings
• State insurance department market conduct exams and rate decisions
• Policy form filings (publicly available)
• Our own independent market shopping (mystery-shopper quotes across states and profiles)
• Reader-submitted experience reports (used for color, not for ratings)

Conflicts of interest

Our editorial team members don't hold positions, advisory roles, or compensation arrangements with insurance carriers. We disclose any potential conflicts when they exist — they currently don't.

Questions

If you have questions about our methodology, want to request a correction, or want to flag a problem with a review, email editorial@quoteyeti.com.