How we work
Editorial and Sourcing Standards
Every site in the group publishes information people use to make insurance decisions. That is a category where a wrong number does real damage, so every site operates under the same standards. They are listed here in full so readers can hold us to them.
Nothing is made up
Every claim on every site is one of four things: a verifiable fact with a citation, a direct quote from a real person who gave permission, a clearly labeled estimate with the methodology explained, or a description of what our own service does. We do not publish invented statistics, testimonials, reviews, case studies, or credentials. A page with no social proof is better than a page with fake social proof, and our pages reflect that choice.
Primary sources first
We cite sources in a fixed order of preference:
- Government and regulatory sources: federal agencies such as the FMCSA, state licensing boards, state Departments of Insurance.
- The regulatory text itself: the Code of Federal Regulations, state statutes and administrative codes.
- Industry associations and standards bodies.
- Published industry data with a named source and date.
Requirements that change get an "as of" date. Where two credible sources conflict, we either resolve the conflict against the primary text or we do not publish the claim. A secondary source repeating a number is not verification.
Cost information is ranged, sourced, and never promised
No site in the group states a universal price for coverage, because none exists. Where we discuss costs at all, figures come only from insurers or researchers who publish their methodology, they are presented as ranges with the factors that move them, and they carry the source and its date. We do not promise savings, low prices, or any particular outcome, and we do not rank carriers or agents. Comparing what coverage types typically cost relative to each other is factual and allowed; implying what a specific reader will pay is not.
Who writes and who reviews
Guides are drafted by the group's editorial team using research and writing tools, then reviewed before publication by Ryan England, who checks each claim against the regulation or published source it cites. Claims that cannot be substantiated do not run. Ryan has six years of experience in the auto insurance industry and holds a Texas General Lines property and casualty insurance license, number 3552440. Review by a licensed professional is a check on accuracy, not a substitute for advice. No content in the group is insurance advice, no site in the group sells coverage, and readers are told to confirm their own decisions with an agent who knows their business.
Compensation never touches editorial
Where a brand's matching service is live, licensed agents and insurance marketplaces pay for introductions, and that is disclosed on the site where it happens. No partner pays for placement in a guide, no guide recommends a partner because they pay, and no page trades accuracy for conversion. If a page ever carries an affiliate relationship, it is labeled on that page.
Corrections
If we got something wrong, we want to know. Write to contact@insuredbrandgroup.com with the page URL and the issue. Confirmed errors are corrected on the page, and material corrections carry a dated note saying what changed. Requirements pages are re-verified against their sources on a recurring schedule, and pages state the date their requirements were last checked where that date matters.