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Guardbrook

Editorial policy

Every page on Guardbrook should help you read your own bill more clearly. This is how we try to make sure each page is right, and what we do when it isn't.

Last updated

Independence

Guardbrook is paid when licensed insurance agents and insurers receive rate-shopping requests that visitors send. That money never decides what a page says. No agent or insurer reviews, edits or approves our articles before or after they go up, and none can buy a mention, a better description or a change to the averages or the calculators. We don’t recommend any company or policy. The site shows no ads and has no affiliate links. How we make money gives the details.

Who writes the pages

Pages carry the byline “Guardbrook Editorial Team”. We don’t publish under invented names, and we don’t claim credentials we don’t have. Guardbrook is not a licensed insurance agent, and the team does not give advice on individual policies.

Where the facts come from

We start with official sources and use others only where official ones are silent:

  1. Regulators and data they publish. The NAIC Auto Insurance Database Report for state averages, state insurance department pages for rules and programs, and the Bureau of Labor Statistics Consumer Price Index for price trends.
  2. The law itself. State statutes and regulations for minimum limits, required coverages and rating rules.
  3. Research organizations. The Insurance Research Council for estimates of uninsured drivers.
  4. Commercial sources. Insurer or industry pages only for facts about the market, such as what a program offers. We name them as such in the text and never treat their marketing as fact.

If we can’t confirm a number in a source we opened, we describe the rule without the number. We don’t invent statistics, studies, quotes or examples of real people.

How a page is checked

Before a page goes up, we check each figure and each rule against the source listed on the page. State pages list their sources and the date they were checked. Calculators are tested against worked examples, and their formulas are published on the methodology page.

Keeping pages current

Every article shows an “Updated” date. We recheck facts:

  • when a source publishes new data, such as the NAIC’s yearly figures;
  • when a law or rule changes, such as a new minimum liability limit;
  • when a reader tells us something is wrong.

Price changes and new rules that affect many pages are summarized on rate news.

Corrections

If you think a page is wrong, tell us through the contact form or at contact@guardbrook.com. Please include the page address and, if you can, a source. We check every report against the original source. When we confirm an error, we fix the page, update its date and, if you asked us to, write back to say what changed.

What our pages won’t do

  • Tell you a price is the lowest available or that you will save a set amount.
  • Rank or recommend insurers.
  • Give advice on your own policy, claim or legal situation.