Editorial policy
Car insurance decisions affect your money and your legal right to drive, so we hold our guides and state pages to a clear standard. This page explains how we research, write and update them, and how we keep our business model out of the content.
Who writes our content
Our guides are written and edited by the AutoQuoteWise Editorial Team. Each article shows its author and the date it was last reviewed at the top of the page. We are not licensed insurance agents, and our content is general information, not personal advice. When a guide has been reviewed by a licensed insurance professional, we name the reviewer and their credentials on the page. We never claim a review that did not happen.
How we research
- Primary sources first. Facts about coverage requirements, penalties and filings come from state insurance departments, state motor vehicle and public safety agencies, and the statutes themselves. We use industry bodies such as the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute for background.
- Sources on the page. Every guide and state page lists the sources used for its key facts, so you can check them yourself.
- Numbers carry dates. Premiums, fees and limits change. When we publish a figure, we say where it came from and when. If we cannot source a number, we leave it out rather than estimate.
- Answer first. Each guide opens with a short, direct answer to the question, followed by the detail.
Fact-checking and updates
Before a page is published, a second editor checks each factual claim against its source. We re-review every page at least once a year and whenever a law we cover changes. The “Last reviewed” date shows when a page was last checked, not just when it was edited.
Independence from advertisers
AutoQuoteWise earns money when people request quotes, click on listings or call our partners (see How we make money). That relationship does not decide what our guides say:
- Partners cannot pay to appear in, review or change our editorial content.
- We do not describe any company as the “best” or “cheapest” unless we explain the basis for it and cite the data.
- Links to our quote form are clearly labeled as calls to action.
Corrections
If you find an error, email us through our contact page with the page address and what is wrong. We review every report. When we fix a factual error, we update the page and its “Last reviewed” date. Significant corrections are noted at the end of the article.
Our limits
Our content explains how car insurance generally works. It cannot account for your specific situation, and insurance rules differ by state and by company. For decisions about your own coverage, speak to a licensed insurance agent or your insurance company, and for legal questions (for example about a license suspension), speak to an attorney.