How we make money

Where the money comes from

You can send a coverage review request through the two-step form on /coverage-review or at the end of our articles and calculators. The form asks for your ZIP code, why you are asking, your recent accidents or claims, your cars, what coverage you carry now, and how to reach you.

When you submit it with the consent box checked, licensed insurance agents and insurers working with Valoroath receive your request and may call, text or email you to talk about your coverage. They pay Valoroath for the requests they receive. That payment is how the site covers the cost of research, writing and hosting.

Sending a request is up to you. Nothing on the site requires it, and every article, state page and calculator works the same whether or not you send one.

What you pay

Nothing. Reading the site, using the calculators and sending a coverage review request cost you nothing, and Valoroath adds no fee to anything you might buy. If you later buy a policy, you deal with the agent or insurer directly, on their terms.

What payment does not change

• The content. Agents and insurers do not write, review or approve our articles, and they cannot pay to change them.
• The calculators. The formulas on the methodology page are the same for everyone, and no partner has a say in them or in their default values.
• The state pages. The rules come from statutes, regulations and insurance department pages, not from anyone who pays us.
• Insurer names. We do not rate or rank insurers, and we do not describe any insurance company as good or bad.

Our editorial policy explains how we keep the writing separate from the business side.

What Valoroath does not do

Valoroath is not an insurer, an insurance agency or producer, a claims adjuster or a law firm. We do not sell, quote or bind insurance, and we do not handle or negotiate claims. When an agent or insurer contacts you after a request, any quote, policy or advice comes from them. Valoroath does not decide whether you are offered coverage or at what price. The licensing page explains how to check that the person who contacts you holds a license in your state.

Your choices

Your consent to be contacted is not a condition of buying anything. You can stop texts by replying STOP, tell a caller to stop calling, or write to us through the contact page; we forward your opt-out to the agents and insurers that received your request. The privacy policy explains what the request contains, who receives it and how the Global Privacy Control signal is handled.