Advertising & Affiliate Disclosure for motoinsure

motoinsure earns money through affiliate commissions. When a rider clicks a "Get a quote" link on this site and goes on to get a quote or buy a policy from that insurer, motoinsure may receive a commission from the insurer or its affiliate program. That commission costs the rider nothing — the quote price is the same whether a rider arrives through motoinsure or directly. This page explains how that funding works and, more importantly, the firewall that keeps it from touching a single rating on the site.

How motoinsure is funded

motoinsure is a free-to-read comparison site. It does not charge readers, run a paywall, or sell a subscription. Its revenue comes from affiliate relationships with motorcycle insurers and their affiliate networks. When a rider follows an outbound quote link and completes a quote or purchase with that carrier, motoinsure may be paid a referral commission.

This is a standard affiliate model, and it is disclosed here in plain terms because the Federal Trade Commission requires a publisher with a material connection to a product it endorses — such as an affiliate commission — to disclose that connection clearly and conspicuously ^{[Federal Trade Commission, 2024]}. motoinsure earns affiliate commissions on insurer quote links, and that connection is stated up front for exactly that reason.

motoinsure is not an insurance broker, agent, or carrier. It does not sell, underwrite, or place policies, it is not licensed to do so, and it does not collect a rider's personal information to shop a policy on their behalf. It compares carriers and links a rider out to the carrier's own quote page, where the carrier — not motoinsure — handles the quote.

How affiliate links work

A "Get a quote from [provider]" button on a review, comparison, or cost page is an affiliate link. It sends the rider to that insurer's official quote page. The rider gets a quote directly from the carrier; if they buy, motoinsure may earn a commission from that carrier's program.

Not every carrier motoinsure covers has an affiliate relationship with the site, and that gap changes nothing. A carrier is reviewed, scored, and recommended on the same scorecard whether or not motoinsure earns a commission on it. Where no affiliate relationship exists, the quote link still points to the carrier's public quote page — it simply carries no commission. The presence or absence of a commission is invisible in the editorial: it does not appear in a score, a ranking, or a recommendation.

How funding does not affect our ratings

This is the part that matters. A carrier cannot pay motoinsure for a higher ranking, a better score, a more favorable review, or a stronger position in a head-to-head comparison. There is no pay-to-rank arrangement, and there is no version of one on offer.

Every score on the site is set by the five sub-scores documented in motoinsure's methodology — coverage, pricing, claims, customer service, and financial strength. Those inputs are external and verifiable: financial-strength scores come from AM Best's published ratings ^{[AM Best, 2025]}, the claims sub-score draws on NAIC and state Department of Insurance complaint records ^{[NAIC, 2026]}, and coverage facts come from the carriers' own published policy documents. An affiliate or advertising relationship is not one of those inputs and never will be. A carrier that pays the highest commission does not move up; a carrier that pays nothing does not move down.

The clearest proof of the firewall is the editorial itself. motoinsure routinely names the rider a carrier is wrong for and tells readers to skip a provider for a given bike or record. A site selling rankings could not afford to do that. motoinsure can, because the rankings are not for sale.

Consumer-review aggregate scores are also kept out of the ratings entirely. They measure sentiment rather than claims reality, and regulatory complaint data — the volume of confirmed complaints a carrier draws relative to its market share ^{[NAIC, 2026]} — is the harder, less gameable signal motoinsure uses instead. The firewall is not only between funding and ratings; it is between the ratings and any input a carrier could influence.

No affiliation with the carriers we review

motoinsure is an independent comparison site. It is not affiliated with, endorsed by, sponsored by, or otherwise connected to any insurer named on this site — including Progressive, Geico, Allstate, State Farm, USAA, Dairyland, Harley-Davidson Insurance, Liberty Mutual, Nationwide, Farmers, The General, Markel, and Foremost. No carrier reviews, approves, or has any editorial control over the content here.

All carrier names, brand names, logos, and trademarks referenced on this site are the property of their respective owners. motoinsure uses them only to identify, review, and compare the carriers it covers — the ordinary editorial use of naming a product to write about it. Their use here does not imply any partnership, agency relationship, or endorsement in either direction.

An affiliate relationship, where one exists, is a referral arrangement and nothing more: motoinsure may earn a commission when a rider clicks through to a carrier's quote page and buys. It does not make motoinsure an agent of that carrier, and it does not give the carrier any say over a review, a score, or a ranking.

Editorial opinion, not statements about a competitor

motoinsure's provider scores, "best for" and "skip this" recommendations, and head-to-head verdicts are editorial opinion, formed by applying the published methodology to sourced data. They reflect motoinsure's assessment of which carrier fits which rider — not a factual claim that any carrier is categorically better or worse than another. Where motoinsure states a fact about a carrier — a coverage term, an AM Best rating, an availability detail — it traces that fact to a cited source. Riders should treat the rankings as a starting point and verify any specific coverage or pricing detail directly with the carrier before buying.