Our Editorial and Publishing Principles
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Explore Our Editorial Standards
At InsuranceQuotes.com, we’re committed to providing clear, accurate, and trustworthy information to help you make smarter insurance comparison decisions. Every article, rate comparison, and insurance tip on our site is crafted with editorial integrity and backed by data from licensed experts and verified sources.
1. Our Commitment to Accuracy
We ensure the accuracy of every piece of content by:
- Sourcing data from up to date government agencies, insurance regulators, and licensed carriers
- Using real-time insurance policy rate cost data from industry-leading tech companies that provide real-time and historical insurance cost comparison data from the top national and local insurance providers
- Conducting thorough editorial and fact-checking reviews before publication
We prioritize factual accuracy in every article we publish. Our editorial team uses verified data sources, such as:
- State Departments of Insurance for location, vehicle, policy type, year, demographic and current insurance based state coverage laws as well as accurate statistic verification.
- NAIC reports
- Real-time rate data from industry partners such as Quadrant Information Services.
- Our insurance rate data is updated yearly or every 3 months for more frequently changing information or as needed for high-traffic or policy-sensitive pages.
- Academic or government-backed research studies
- Expert insurance writers who have worked in the industry for a combined 30+ years.
Before publishing any content, each article undergoes a multi-step editorial process including fact-checking, copyediting and user-intent focused analysis as well as up to date real-time data verification.
If you ever see an error or outdated reference, we encourage you to contact our editorial team.
2. Expert Content Creation
Our content is created and reviewed by a qualified team that includes:
- Licensed insurance agents
- Insurance industry experts
- Experienced financial and insurance writers
- In-house editors with deep industry expertise
- Top PR industry leaders
Each contributor is carefully vetted for subject-matter knowledge, writing quality, and editorial integrity. When applicable, author credentials and insurance licenses are disclosed directly on the article page.
Meet Our InsuranceQuotes Industry Experts:
Michael Giusti
Sr. Insurance Analyst, Business Journalist & University Professor
His work has been published across dozens of newspapers, magazines, broadcast outlets, and insurance platforms—appearing in both consumer-facing and industry trade publications. His analysis has been syndicated globally and translated into multiple languages, reflecting his authority in both domestic and international insurance education.
A former daily newspaper reporter and award-winning business journal editor, Michael brings investigative rigor and editorial depth to every topic he covers. He’s also contributed to Insurance Thought Leadership, offering executive-level analysis on regulatory shifts, insurtech trends, and evolving consumer behavior in the risk landscape.
In addition to his publishing credentials, Michael serves as a Professor and Department Chair at Loyola University New Orleans, where he teaches media ethics, journalism, and communication strategy. His academic leadership further reinforces his credibility as both a thought leader and educator in complex, regulated industries like insurance and finance.
🧠 Why Michael’s work matters: With a background spanning journalism, academic research, and real-world entrepreneurship, Michael brings a rare combination of editorial integrity, business acumen, and instructional clarity—making him one of the most well-rounded voices in the insurance content space.
Michael holds an MBA and owns two businesses in New Orleans, Louisiana, where he also resides with his family.
Autumn Cafiero
Licensed Insurance Broker | Award-Winning Journalist | Senior Insurance Contributor
Since 2014, she has contributed expert-led content to All Web Leads and InsuranceQuotes.com, where she writes with authority on topics ranging from auto, home, life, and flood insurance to Medicare and travel coverage.
Autumn’s journalistic work has appeared in over three dozen consumer and business publications, and she has written B2B content for multiple Fortune 300 companies, helping distill complex insurance topics into clear, actionable insights for both policyholders and industry stakeholders.
As a licensed agent and homeowner in New Orleans, Louisiana, Autumn has firsthand experience navigating high-risk insurance markets, including flood, hurricane, and umbrella policies. Her dual background as a policyholder and a credentialed professional gives her content both editorial depth and real-world credibility.
🧠 Why Autumn’s work matters: Her ability to translate regulatory nuance, product variations, and policy implications into clear guidance has helped thousands of readers make better insurance decisions—especially in high-risk zones where insurance literacy can be life-changing.
Autumn lives in New Orleans with her husband and two daughters, and continues to advocate for consumer clarity in every article she produces.
Brian O’Connell
Financial Journalist, Best-Selling Author & Former Wall Street Trader
His bylined work appears in major outlets including The Wall Street Journal, Forbes, CBS News, U.S. News & World Report, Fox News, and TheStreet, where he delivers deep-dive financial analysis and practical tips for individuals and businesses alike.
In addition to journalism, Brian is a sought-after ghostwriter for Fortune 1000 corporations, fintech firms, and financial thought leaders—producing whitepapers, eBooks, and long-form strategy content for brands like SoFi, Experian, Prudential, Oanda, General Motors, PNC, and more.
His professional background in trading and corporate finance, paired with decades of editorial experience, ensures that every insurance article is grounded in real-world expertise, factual accuracy, and consumer relevance—aligning with the highest standards of editorial integrity and financial transparency.
Brian holds a degree from the University of Massachusetts, and splits his time between Bucks County, PA and Palmas del Mar, Puerto Rico.
Lauren Pezzullo
Insurance Industry Content Strategist | Consumer Trends Analyst
She has in-depht knowledge from her work as a Senior Content Strategist for a national home improvement service platform, where she specialized in home insurance–adjacent topics like property renovation, damage claims, and contractor vetting. This hands-on exposure gives her a deep understanding of how real-world home improvement intersects with risk, liability, and homeowners’ insurance needs.
In the health sector, Lauren currently creates public health communication content for the University of Texas at Austin’s Center for Health Communication, part of Dell Medical School and the Moody College of Communication. There, she helps craft messaging strategies that improve public access to accurate, data-driven healthcare information—experience that translates directly into trustworthy health insurance insights for consumers.
Her editorial work has also appeared in publications such as Multi-Housing News, and works as an independent content consultant for multiple home, health, auto and life insurance industry sites.
Her editorial background in insurance, housing, and health communications gives her a rare cross-sector perspective—one that ensures her content is practical, empathetic, and deeply informed by how consumers live, protect, and care for their homes and health.
Lauren holds a degree in English and Journalism, and is based in Austin, Texas.
External Review and Media Relations Support
To reinforce the clarity, accuracy, and tone of our insurance content, InsuranceQuotes.com partners with The Rosen Group, a nationally recognized PR and editorial consultancy with deep expertise in the insurance and financial services sectors.
Our editorial team collaborates with Rosen’s senior strategists to:
- Ensure consistency and professionalism across consumer-facing narratives
- Conduct media-readiness reviews for timely or high-impact topics
- Align complex regulatory or pricing data with plain-language clarity for consumers and industry professionals
These insurance PR experts provide additional editorial oversight for select pages and real time survey/research driven topics and help contribute to the overall tone and trustworthiness of our published materials on IQ as well as our insurance industry focused publishing partners for the most relevant and helpful content.
Meet Our PR Team Contributors:
To further strengthen the impartiality and clarity of our insurance content, we collaborate with a wonderful third-party PR and editorial strategy firm. These PR and editorial professionals from Rosen Group provide external oversight and strategy support to ensure our insurance content meets the highest editorial standards. Learn more about our team at RosenGroupPR.com
- While these contributors do not author content, they provide oversight on messaging clarity, editorial tone, and consumer communications—reinforcing our journalistic standards.
Jacob Streiter
Vice President, Rosen Group
Alexandra Rush
Vice President of Content Strategy, Rosen Group
Sabrina Christiansen
Senior PR Account Executive
📌 Why this matters: Involving third-party editorial professionals demonstrates our commitment to responsible, journalistic-quality publishing—strengthening both consumer trust and our content’s fact based authority for consumers.
IQ 2025 Press & Awards List:
These awards were earned by our parent company, AWL, Inc., and reflect the culture, leadership, and transparency that drives the InsuranceQuotes.com brand:
- Austin Business Journal: 7 Time Winner for Best Place to Work in Austin for 2012, 2013, 2017, 2018, 2019, 2021, 2022 and 2023: Austin Best Places to Work
- Built in Austin, Glassdoor, and Austin Statesman Workplace Awards
- A+ Better Business Bureau Accreditation Rating
3. Data Integrity
We rely on trusted partners like Quadrant Information Services and advanced data platforms such as QlikSense. InsuranceQuotes.com leverages QlikSense—a platform that meets SOC 2, HIPAA/HITRUST, ISO 27001, FedRAMP, and more—providing enterprise‑grade security and governance. to power our insurance rate content, comparison tools, and editorial insights.
Learn more about QlikSense’s certified security and compliance practices: “Trust and Security at Qlik”
Our content and data reflects:
- Real-time rate trends across all 50 states
- Zip code–specific pricing averages
- Provider comparisons based on demographics, policy type, and location
To ensure accuracy and relevance, we use live data pipelines and time-series analysis to track pricing shifts, benchmark local vs. national averages, and deliver insights tailored to each user’s profile.
All statistics and rate data are transparently sourced and frequently updated. Behind the scenes, our editorial and technical teams use QlikSense to verify source lineage, maintain historical benchmarks, and validate the integrity of every dataset published on our site.
4. Editorial Independence
At InsuranceQuotes.com, we maintain a strict separation between our editorial team and our business partnerships. While we generate revenue through relationships with insurance providers and advertisers, those affiliations never influence our editorial content, rankings, or content based recommendations.
Our writers, licensed experts, and in-house editors operate under journalistic integrity guidelines, ensuring that all information is:
- Fact-checked and source-cited
- Free of sponsor bias or influence
- Driven by user intent and informational value—not commercial incentives
* We do not publish “pay-for-placement” content, and we clearly label any affiliate links or sponsored disclosures when applicable – however no current content has any sponsors or affiliate based influence.
* We do not accept sponsored content or allow affiliate commission to influence editorial recommendations.
📌 Why this matters: This independence allows us to offer unbiased insurance advice rooted in data, not deals—reinforcing our trustworthiness with both readers and search engines.
5. Ongoing Updates & Accuracy Reviews
Insurance content is only as valuable as it is current. That’s why our editorial team conducts routine content audits and real-time updates based on:
- Insurance industry regulatory changes
- Pricing updates sourced from trusted data partners like Quadrant Information Services
- Provider shifts, product changes, and policy eligibility updates
We also monitor changes in state laws, federal mandates (like ACA or Medicare reforms), and provider underwriting criteria to ensure accuracy at every level.
Each page includes a “Last Updated” date and, when applicable, is reviewed by a licensed insurance professional to ensure compliance and clarity.
📌 Why this matters: Maintaining current, accurate content not only supports our readers—it strengthens our E-E-A-T signals by demonstrating ongoing topical expertise and editorial responsibility.
- Every major article is reviewed at least twice annually, and high-impact consumer guides are monitored monthly for regulatory or provider changes.
