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How We Get Paid

Image for How We Get PaidOur motto is “don’t trust anyone until you know how they get paid.” Yes, we live by this motto. Therefore, in the spirit of embracing transparency, here’s how we get paid.

A Mission Oriented Business

As a mission oriented business, we are different than other rating services in three important ways:

  1. We have  no outside investors. Therefore, we are never forced to make tradeoffs between making shareholders richer versus doing what’s right for consumers.
  2. We only use high-quality data collected by state insurance departments. We never include user surveys or web reviews in the analysis. Consequently, we are unquestionably the most accurate rating service.
  3. The first step is to collect the data and complete the calculations. Once complete, the analysis is available based on the three business models described below.

Our Customers And How we Help Them

ValChoice provides insurane ratings reports to consumers


Unlimited free ratings and calculator access to anyone with internet access. Additional information is available for a small fee.

The “Comparison Reports” identify the best insurance companies. Companies cannot pay us to be identified as “best.”

ValChoice Awards the best insurance companies

Insurance Companies

We license the results of our analytics to Insurance companies. They use our analysis to monitor performance and in marketing and sales campaigns.

First, we analyze the data then announce the winners. We never accept payment before doing the calculations. This approach is unique and ensures there is no conflict of interest.

ValChoice provides tools and reports for Insurance Agents


We also provide tools and leads for agents. This is a good way to get free reports to consumers. Our lead service matches consumers with the companies that will serve them best.

We do not get paid by commissions on sales. Hence, we have no financial incentive for you to change insurance companies.

Claim Your Free Insurance Company Ratings

Get a ValChoice rating on your insurance company. Click the button below for the type of rating you would like.