InsurifySmart
Built to show you the real number, not the sales pitch
InsurifySmart compares insurance the way we think it should be compared: transparently, with a documented process, and without letting carrier payments decide the ranking order.
Verification process
How a rate earns a place on InsurifySmart
01
Filing cross-check
Rate ranges are checked against publicly available state insurance department rate filings before they're published on our pages.
02
Quarterly refresh
Our research team reviews carrier rate changes on a quarterly cycle and updates listings so estimates stay reasonably current.
03
Editorial sign-off
A licensed insurance editor reviews coverage descriptions, exclusions, and benefit language for accuracy before publishing.
Rating methodology
What goes into a carrier's letter grade
Every carrier rating shown on InsurifySmart is a composite score built from four weighted factors. No carrier can pay to raise its own score.
Questions about a specific rating? Contact our editorial team →Editorial standards
Independence is the whole product
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01
Rankings never reflect commission size. A carrier that pays a higher affiliate commission is not moved up in comparison results.
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02
Coverage descriptions are plain-language. We avoid marketing language from carrier press kits in favor of what the policy document actually says.
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03
Corrections are published, not hidden. If a rate or benefit listing changes materially, the update is dated and noted on the page.
