Pedro Mendoza is the founder and editor at The Rates Guy. He maintains California auto insurance comparison guidance across 100 cities and explains the driver, vehicle, coverage, and local factors behind a quote. Pedro also owns a Freeway Insurance franchise. That business relationship is separate from the publication; The Rates Guy does not underwrite, issue, or bind policies.
How Pedro compares rates
Pedro's guides explain how driver, vehicle and coverage information changes a comparison. Filing news identifies the public records behind the story. Read the methodology for the difference between a comparison checklist, an observed quote and a filing-derived illustration. No routine weekly quote study is claimed.
Areas Pedro covers
- California auto insurance rate comparison
- Carrier rate filings (CDI public records)
- Non-standard auto insurance
- SR-22, DUI, non-owner coverage
- California 30/60/15 liability (SB 1107)
Editorial doctrine
The publication does not underwrite, issue or bind insurance. Readers can submit a separate rate-check inquiry with the contact consent shown on the form. The Rates Guy may earn partner referral fees, and Pedro's franchise ownership is a business affiliation readers should know about. Carrier placement is not sold. See the About page and privacy policy for the publication's role and handling of inquiries.