The Rates Guy publishes comparison guidance for 100 California cities and news about public insurance filings. Pedro Mendoza is the founder and editor. The source links and limitations on each page explain what the reporting can establish.
Read the guidance or request a rate check
You can read the guides without submitting personal information. Our personalized rate check collects contact and vehicle details for a follow-up inquiry under the consent shown beside the form. It does not purchase, underwrite, issue or bind insurance, and it does not guarantee a price or a live list of carrier quotes.
What we publish
City guides cover quote inputs, coverage comparisons, local driving questions and situations such as SR-22 filings and non-owner insurance. News stories explain specific public records. A comparison checklist, a rate-filing proposal and an observed quote have different evidentiary limits.
How to evaluate a published number
Look for a specific source, date, coverage basis and driver profile. A general link to a public agency is not evidence of a precise city premium. We withdraw unsupported examples when reviewed and explain corrections on the affected page. We do not claim a weekly quote study across every city.
How we make money
The Rates Guy may earn referral fees from partner sites. Pedro also owns a Freeway Insurance franchise, a separate insurance business. Readers should consider that relationship when evaluating the publication. We do not accept payment for carrier placement. A referral relationship is not evidence that a carrier is cheapest for you; compare the coverage, total price and any fees in the actual offer.
Editorial integrity
Corrections, rate discrepancies, and methodology questions go to editor@theratesguy.com. How we assess and document corrections is described in the corrections policy, who writes for the desk is covered in the diversity statement, and full sourcing rules and what we will never do are published on the methodology page.