Road Rate Finder.
Car Insurance, Mapped Road by Road — every product bought at retail price and tested in real life. No sponsored verdicts, no recycled spec sheets.
How It All Started
In 2023 our founder Theo was adjusting claims when a storm brought a dozen of them at once — and almost every driver was shocked by what their policy did and didn’t cover. So he started mapping it out.
Road Rate Finder is the map he wished every driver had before a claim: coverage territories, the claims timeline, and the roadside basics — all in plain English.
Today we’re a small team in Denver, researching 30+ topics and re-checking every guide yearly.
What We Stand For
Four promises we’ve kept since day one.
Bought, Not Borrowed
Every product is purchased at retail price with our own money. Review units from brands are declined or clearly marked.
Tested in Real Life
Installed, used, worn, and broken. If it can’t survive real daily use, it doesn’t score well.
One Honest Verdict
Each product gets one score out of 10 with the trade-offs stated plainly. We never take payment for a good score. Read our Disclosure.
Re-Tested Yearly
Products change fast. We re-review every product every year and update scores when better options appear.
The Team
Theo Brooks
Founder & Editor
Ex-roaming claims rep who has seen every kind of accident and every kind of policy.
Lena Silva
Claims
Adjuster background. Knows exactly what a claim file needs to get paid.
Marcus Reid
Coverage
Former agent who can explain any coverage in one sentence — and usually does.
Sofia Hart
Legal & Policy
Policy-language expert. Reads the fine print so you don’t have to.