Our Rating Methodology
Every provider on MoneySaverCodes receives a rating from 1.0 to 5.0 stars. This page explains exactly how we calculate those scores — no black boxes, no hidden criteria.
Key Principles
- Ratings are editorially independent — providers cannot pay to improve their score.
- We use publicly available data: regulator filings, published rates, and third-party satisfaction surveys.
- Scores are reviewed quarterly alongside our rate data updates.
- The same methodology applies consistently across all eight verticals and both US and UK markets.
Rating Scale
Our ratings use a 1.0–5.0 scale with half-star precision. Here is what each tier means:
How We Score: Five Criteria
Each provider is evaluated across five weighted criteria. The final star rating is a weighted average of these scores, rounded to the nearest 0.1.
Cost & Value
30%We compare monthly and annual premiums (or APRs/fees for lending products) against the market average for the same coverage level, state/region, and customer profile. Providers offering below-average rates with comparable coverage score highest.
- Premium/rate vs. market average for equivalent coverage
- Available discounts (bundling, loyalty, good driver, no-claims)
- Hidden fees, admin charges, or rate increases after year one
- Value relative to coverage limits and deductibles
Coverage & Benefits
25%We assess the breadth and quality of standard coverage, optional add-ons, and policy limits. Higher ratings go to providers that include features competitors charge extra for.
- Standard coverage inclusions vs. competitors
- Optional add-ons and their pricing
- Policy limits, caps, and exclusions
- Flexibility to customise coverage
Customer Service
20%We review publicly available customer satisfaction data from J.D. Power (US), Defaqto (UK), and complaint ratios from state regulators and the FCA. We also consider claims handling reputation and contact channel availability.
- J.D. Power / Defaqto customer satisfaction scores
- Complaint ratios from NAIC (US) or FCA (UK)
- Claims handling speed and approval rates
- Contact channels: phone, chat, app, 24/7 availability
Digital Experience
15%We evaluate the quality of the online quote process, mobile app, and self-service account management. Providers with fast, transparent quoting and well-rated apps score higher.
- Online quote speed and transparency
- Mobile app rating (App Store / Google Play)
- Self-service policy management features
- Digital claims filing capability
Vertical-Specific Adjustments
While the five core criteria remain the same, we adjust what we evaluate within each criterion depending on the product type:
Our Data Sources
US Sources
- State insurance regulator filings
- NAIC complaint index data
- J.D. Power satisfaction studies
- AM Best financial strength ratings
- Published insurer/lender rate sheets
Limitations & Updates
Our ratings reflect publicly available information as of the last review date. They do not account for individual circumstances — your experience may differ based on your location, credit profile, claims history, or specific coverage needs. Ratings are reviewed and updated quarterly alongside our rate data. If you believe a rating is inaccurate, please contact us with details.