Editorial Standards

Every fact on Car Bills Explained comes from a source we link, checked on the date we show, and most of those sources are the government agencies that set the rules. Our guides are education only: we explain the rules and point you to the source, and we don’t give insurance, legal or financial advice. Car Bills Explained is not an insurer, lender, broker, agent or dealer.

Our mission

We only speak the truth. We only help within the category we cover. We always cite our sources, and we’re friendly and easy to do business with. Our objective is to help you find a better alternative, or to confirm that your present choice is already your best choice. We’re creative in how we explain things, but we never exaggerate: we say only what’s true, and nothing misleading or unverified.

How do we pick topics?

We write about the questions drivers ask when they finance, insure or add a service contract to a car, and only when we can answer them with sources we can link: the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), the Federal Communications Commission (FCC), the National Association of Insurance Commissioners (NAIC), state insurance departments, DMVs and financial regulators, and the text of federal and state rules.

How do we source a guide?

• We start with primary sources: agency and regulator pages, consumer guides from state insurance regulators, and the text of laws and regulations.
• Every source is opened on the day we write or update the guide, and each guide ends with a Sources list: title, link and the date we checked it.
• Dollar amounts (coverage minimums, income limits, price ranges) are copied from the source page, dated, and labeled with the year or effective date they apply to.
• We don’t publish average premiums, rates or “typical savings,” because they depend on the driver, the car, the company and the state, and change often.
• State rules are labeled by state (for example, “California: …”) and aren’t presented as nationwide law.
• If we can’t verify something, we leave it out or mark it “Not verified.”
• When a rule has changed or been withdrawn (for example, the FTC’s CARS Rule, withdrawn in February 2026), we say what is in effect today, with dates.
• If an official page blocks automated tools, we open it by hand and say so in our notes; we don’t cite a page we haven’t read.
• Quotes are copied from the source page and checked again before publishing.

Why education only?

Car loans, insurance and service contracts affect your money and your legal rights. The right answer depends on your state, your car, your driving record, your credit, your budget and the exact contract in front of you, so a general website can’t make the call for you. We explain how the rules work and where they come from, and we tell you when to check with the source or a licensed professional: a licensed insurance agent or your state insurance department for coverage, your lender or a nonprofit credit counselor for loans, and a consumer attorney or legal aid office for disputes.

Our guides explain how products and rules work; they don’t tell readers which insurer, lender or service contract to buy. If we ever compare specific companies or tools, we will explain how we chose and checked them, and any paid link will be labeled.

How do we use AI ourselves?

We use AI tools to help with research, outlines and first drafts. A person reviews every page, checks each fact against its source, and decides what’s published. If we add images, AI-made illustrations will be labeled “Illustrative image” where they could pass for a real photo, and their files will carry metadata saying they were made with AI. Any synthetic video narration will speak for the brand (“we checked…”) and won’t claim to be a human expert.

Money and independence

Labeled ads pay for the site; see our Advertising & Affiliate Disclosure. We may also earn a commission from some links, at no extra cost to readers; every paid or affiliate link is labeled next to the link and marked rel=”sponsored”. No advertiser or partner reviews, approves or pays for what a guide says, and compensation never changes our facts or sources. When we mention Top Rank ROI LLC’s own services, we label them as our own.

How do we handle corrections?

If you find a mistake or a rule that changed, contact us with the page and, if possible, the official source. We check every report. When we fix a page, we add a dated “Updated” note saying what changed. We also recheck dated facts (coverage minimums, program income limits, phone numbers and rule changes) on a regular schedule, and at least once a year.

Who’s responsible?

Esmeralda Cornejo and Rolando Cornejo, Top Rank ROI LLC (www.toprankroi.com).