How to cite PolicyChat

How to cite PolicyChat

If you’d like to reference PolicyChat data in your reporting, research, or analysis, here’s the cleanest citation format and what each kind of claim requires.

Citing Rate Authority data

For specific rate figures (state averages, carrier filings, etc.):

According to PolicyChat Rate Authority’s [tracking of state DOI filings / 2023 NAIC published baselines], [specific figure] in [state] [product] insurance as of [date].

Methodology basis: policychat.com/methodology/rate-authority/

Citing the Verdict Engine

For decision recommendations (e.g. liability limits):

PolicyChat’s Verdict Engine recommends [specific recommendation] for [profile], at [confidence tier] conviction per the chorus_stage2 methodology.

Methodology basis: policychat.com/methodology/verdict-engine/

Citing comparison data

For carrier-vs-carrier comparisons:

PolicyChat’s carrier-comparison methodology evaluates [carrier A] vs [carrier B] across five axes (filed rate, claims experience, coverage breadth, financial strength, profile fit). [Conclusion].

Methodology basis: policychat.com/methodology/comparisons/

Source filing IDs

Every Rate Authority data point traces to a specific filing. If your story needs to cite the underlying carrier filing, request the source filing ID at [email protected] and we’ll provide the SERFF / state DOI document URL.

Embargo policy

We do not embargo. All published Rate Authority pages are immediately public-citable from publication time. For pre-publication data access (e.g. a journalist working on a story about a forthcoming carrier filing), email [email protected] — we may provide draft access under embargo by mutual written agreement.

Errata

If you find an error in cited data, email [email protected] with the page URL, the specific number, and the corrected value. We publish corrections within 48 hours of verification.

Last updated: 2026-05-21.