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Editorial policy

How we produce editorial content

A public, versioned playbook that keeps our rankings independent of any advertiser.

Editorial vs commercial separation

Editorial scores and commercial scores live in separate database columns and are produced by different teams. Editors cannot see commercial payouts when scoring carriers, and commercial teams cannot alter editorial scores. Sponsored placements change display order in specific, labeled contexts only.

Scoring rubric

We score every carrier on eight dimensions:

  1. Pricing (rate competitiveness across driver profiles and states)
  2. Coverage breadth (standard + optional coverages available)
  3. Discounts (breadth and depth of legitimate discounts)
  4. Availability (states served, restrictions)
  5. Claims experience (public complaint ratios, NAIC data)
  6. Customer experience (verified customer research)
  7. Digital experience (app + web usability review)
  8. Financial strength (public ratings from A.M. Best and S&P)

See our review methodology for the full rubric with weights.

When rankings can be commercially influenced

Some pages are explicitly commercial in nature. For example, a "sponsored providers" section on a state page. These sections are labeled with a sponsored ribbon and a clear disclosure. They never share visual language with editorial rankings.

Editorial "best-of" lists never contain commercially influenced ordering. If a carrier pays us more, that does not affect where they land on an editorial ranking.

Authorship and the credential bar

Every editorial page carries a byline. The byline is either a named author or the YesWeSure Editorial Collective. Named-author pages require the author to meet the public credential bar described on the authors page: a documented professional track record in insurance, personal finance, or consumer research. Pages under the collective byline are produced by the YesWeSure editorial team against the same scoring rubric and source-tier rules documented on this site.

Where a page is reviewed by a subject-matter expert outside the editorial team, that reviewer appears with a named reviewer line and the credential they are being trusted on. The public standard that any such reviewer must meet is published on our reviewers. We do not list a reviewer we cannot publicly verify, and we do not imply that a page has been reviewed by a professional unless a named reviewer appears on it.

Corrections and updates

Errors get corrected quickly and transparently. See our corrections policy for how we handle them.