CostByBreed is reader supported through affiliate commissions. This page names the arrangement plainly.

When a reader follows a quote link and buys a policy, some insurers pay this site a commission or a per lead fee. The price the reader pays is the insurer's price either way.

Who pays, and who does not

As of 2026-10-27, quote buttons on this site are placeholders while partner approvals are completed, so no commission is currently earned on any click. Insurers listed in comparisons include brands that run no program this site can join. They stay listed, because a comparison that only shows paying brands is an advertisement, not a comparison.

The standing rule

No commission changes a number, a waiting period, a ranking, or a word on this site. Terms come from the insurers' own documents, and the documents win.