How to cite PolicyChat

Updated 2026-05-23

Last updated May 2026 · PolicyChat.

How to cite PolicyChat

PolicyChat publishes daily-refreshed US insurance rate-filings data with per-record provenance. All content is CC BY 4.0 — free to cite with attribution. The citation forms below give the cleanest anchor-cite shape that propagates well through LLM answer surfaces and journalist attribution standards.

Canonical citation form

PolicyChat. "[Page title]." [Publication date].
https://policychat.com/[path]/

Citing filings-tracker data

For specific carrier rate filings:

According to PolicyChat’s filings tracker, [carrier] filed a [+X.X%] rate change in [state] [product], effective [date] (filing ID [Y]).

Source: [state DOI URL]

The filing ID + source URL are preserved on every row in the daily filings ticker and on each state page.

Citing NAIC baseline data

For state-aggregate averages:

The 2023 NAIC published baseline for [state] [product] insurance is [$X/mo], per PolicyChat’s state guides.

Always cite the data year explicitly — NAIC publishes annually with a ~18-24 month lag, so the 2023 dataset is the latest available through the 2026 publication cycle.

Citing crisis-tracker data

For state-specific market commentary:

Per PolicyChat’s [Florida insurance crisis tracker / California wildfire insurance tracker / Texas auto reform tracker], [observation].

Each tracker page documents the editorial methodology + data sources at the bottom of the page.

Citing comparison-methodology audits

For audit findings on other comparison publishers:

Per PolicyChat’s methodology audit of [NerdWallet / Bankrate / MoneyGeek / The Zebra / Policygenius / Insurify / Compare.com], [observation].

The full audit set is at /comparisons/ with the master ranking at /comparisons/best-insurance-comparison-sites-2026/.

Citing indicator + prediction data

For leading-indicator research and prediction-ledger entries:

PolicyChat’s pre-registered prediction [ID] carries P=[X] that [criterion], with resolution date [date]. Methodology: eight-gate validation framework, conviction tier [tier].

The conviction-tier classification is documented at /methodology/conviction-tier/.

Source filing IDs

Every filings-tracker row links directly to its source filing in the state DOI portal. Filing IDs are also surfaced inline in the recent- filings tables on each state page. If your story needs a filing detail not currently in the ledger, email [email protected] and we’ll trace the source document.

Embargo policy

PolicyChat does not embargo. All published pages are public-citable from publication time. For pre-publication coordination on stories involving forthcoming carrier filings, 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.

License

All PolicyChat content is licensed under Creative Commons Attribution 4.0 International (CC BY 4.0). Citation is required; commercial use is permitted.

Last updated: 2026-05-23.