Pedro Mendoza is the founder and editor at The Rates Guy. He compares rates from 30+ California auto insurance carriers daily to publish the cheapest verified options for California drivers. His comparison framework cross-checks carrier quotes against the California Department of Insurance public rate filings and pulls market context from public-record sources like CHP SWITRS and the U.S. Census ACS. The Rates Guy is editorial: Pedro does not bind policies on this site, and the brand earns nothing when readers choose one carrier over another.
How Pedro compares rates
Pedro pulls fresh carrier quotes against the same California driver profiles every week, then cross-checks every published rate against the carrier's current public California Department of Insurance rate filing. When a published rate cannot be traced back to a filing or a verified quote, the comparison framework drops it.
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 Rates Guy is editorial. Pedro does not bind policies on this site. The Rates Guy earns nothing when readers choose one carrier over another. The site lists every carrier whose rates verify, even when their rate is not the cheapest.