How we review and score products
Every product on AmericanSaverGuide goes through a structured 4-step evaluation. We apply the same process to every provider in a category — no exceptions, no shortcuts based on commercial relationship.
Step 1: Identify the category leaders
We start by listing every meaningful provider in a given category based on:
- Market share data from state insurance department filings
- NAIC complaint reports
- Independent rating agency data (AM Best, Moody's, S&P)
- Better Business Bureau accreditation status and complaint patterns
- Reader interest signals from search data
Step 2: Gather quantitative data
For each provider, we collect:
- Pricing — sample quotes across multiple ZIP codes, age brackets, risk profiles
- Coverage details — policy limits, exclusions, deductibles, optional endorsements
- Discounts available — multi-policy, loyalty, safe driver, paperless
- Service metrics — claims response time, customer satisfaction (J.D. Power, NAIC)
- Financial strength — credit ratings indicating ability to pay claims
- Geographic availability — states served and coverage limitations
Step 3: Score on a weighted rubric
Every product is scored on a 10-point scale across the following dimensions:
- Cost & value (30%)
- Coverage breadth (25%)
- Customer service (20%)
- Financial strength (15%)
- Digital experience (10%)
Step 4: Apply real-world stress tests
- The actual quote and signup experience
- The fine print — coverage caps, hidden exclusions, mandatory arbitration
- How they handle claims complaints
- How they treat existing customers vs. new ones
Update cadence
- At least every 6 months for active reviews
- Whenever a major policy or pricing change is announced
- Whenever readers report significant service issues we can verify
Conflicts of interest
We disclose all material affiliate relationships. We do not allow affiliate partners to review content before publication, edit or veto reviews, or pay for placement in "best of" rankings.