About

About This Site

Methodology, sources, and the no-lead-gen pledge.

Why this site exists

The exact-match domain “car insurance comparison tool” is, on its face, a search-engine asset that should host a quote engine like every other ranked page for that head term. The original version of this site did, in a rough approximation: a comparison table of ten major carriers with invented annual premiums, and an eight-program telematics comparison with invented discount percentages. That approach had two problems. First, the numbers were not real, so the page misled visitors. Second, even a real version of that page would just be another lead-generation funnel, surrendering visitors to the same lead-resale economy the FTC fined two large players over $145 million for in 2025.

This rebuild is the alternative. The page that ranks for “car insurance comparison tool” should be a guide to the actual procedure for comparing car insurance, drawing on the National Association of Insurance Commissioners shopping guidance, the Insurance Information Institute rating-variables work, and the state Department of Insurance rate-comparison portals that the lead-generation sites cannot link to without undermining their own funnels. The interactive tool on this site outputs a printable coverage-spec worksheet, not a quote.

Methodology

Every primary-source claim on this site has an inline reference to the publisher. Rate-related claims (the 28 percent pre-renewal-window finding, the 8-to-15 percent agency-commission band, the $145M FTC settlement total) are drawn from published industry data and government press releases, not from internal modelling or proprietary data we do not have.

What this site does:

Explain the four-quote method as the NAIC describes it.
Walk through the apples-to-apples coverage-spec standardisation procedure.
Provide a free, client-side coverage-spec builder that outputs a printable worksheet.
Document how comparison-site businesses generate revenue, with FTC-action context.
Index every state DOI rate-comparison portal we can verify is active.
Walk through the carrier-vetting tools (NAIC, AM Best, state DOI complaint indexes).
Explain the rating-factor math behind why quotes vary so much across insurers.

What this site does not do:

Rank carriers as “best” or “cheapest.”
Publish carrier-specific premium quotes, real or invented.
Run a quote API or collect any personal information.
Generate or sell consumer leads to carriers, agents, or third parties.
Earn commission on any policy any visitor purchases through any carrier.

No-lead-gen pledge

This site does not collect personal information. There is no quote form. There is no email capture. There is no phone number field on any page. The coverage-spec builder is entirely client-side; what you enter is saved to your own browser's localStorage and is never transmitted anywhere. We do not maintain a database of visitors. We do not run remarketing pixels for insurance carriers. We do not have a lead-export function because we do not collect leads.

We do not earn commission on any insurance policy purchased by any visitor. We have no affiliate relationship with any insurance carrier or comparison platform. Cross-portfolio links to other Signet automotive guides (battery life, key replacement cost, tire rotation, strut and tie-rod replacement) are unmonetised internal links to related consumer information.

The site is ad-light. A single Google AdSense placement supports the cost of the domain and hosting. Any AdSense impressions you may see are not insurance-related placements; we have explicitly excluded the insurance category from the ad-serving configuration to avoid even an indirect alignment with the lead-generation economy this site exists to push back against.

Sources

The canonical sources cited across the site:

NAIC Shopping Tool for Auto Insurance. naic.org - the four-quote method and apples-to-apples standardisation guidance.
NAIC Consumer Auto Guide. naic.org/cipr-topics/auto-insurance - consumer-side primer on coverage and rating.
NAIC Consumer Insurance Search. content.naic.org - the complaint-ratio lookup tool.
Insurance Information Institute. iii.org - rating-variables paper, uninsured-motorist data, deductible-savings curves.
FTC v. Assurance IQ (March 2025). $100 million settlement.
FTC v. MediaAlpha (April 2025). $45 million settlement.
FCC one-to-one consent rule. Updated requirements for per- partner telemarketing consent.
AM Best. ambest.com - insurer Financial Strength Ratings, free consumer access.
State Departments of Insurance. Per-state portals and complaint indexes; full directory at state-rate-tools.
The Zebra, Insurify business-model disclosures. Public corporate statements on revenue mix.
J.D. Power U.S. Insurance Shopping Study. The four-or-more quotes satisfaction finding.

Contact and corrections

If you find an error, particularly on a rate-comparison portal link or a state DOI URL that has changed, we want to know. The site is reviewed quarterly but URLs and tool availability change between reviews.

Email: [email protected]

For corrections, include the page URL, the specific claim or link in question, and (where possible) a primary-source citation for the correction. We aim to update within 7 business days of receiving a verified correction.

For state DOI tools we have missed: send the state, the tool URL, and a brief description of what the tool covers. The directory at state-rate-tools is the long-running index; additions are welcome.

Disclaimer

This site is independent. It is not affiliated with State Farm, Geico, Progressive, USAA, Allstate, Nationwide, Travelers, Liberty Mutual, Farmers, AAA, The Zebra, Insurify, NerdWallet, Compare.com, Jerry, or any insurance carrier or comparison marketplace. We do not collect personal information, do not generate leads, and do not earn commission on any policy you buy. Information is educational only. Verify coverage, rates, and licensing with your state department of insurance and the carrier directly before purchasing.