How we compare

Start with provider documents.

Our initial comparison uses published provider plan, benefit, and enrollment pages. Each snapshot links to its sources and records a check date. Provider marketing summaries are not substitutes for the controlling policy or membership agreement. We have not reviewed every controlling contract or tested claim handling.

Keep unlike benefits distinct.

We separate criminal and civil defense, civil damages, bail, household additions, and education. The Choose Plans checklist creates a separate comparison column for every selected plan, including multiple plans from the same provider. Each column shows that plan’s price, benefits, territory, and provider link. We identify the selected plan and billing period. Add-on costs are described where verified. We do not infer a benefit from an unclear or missing field.

No universal winner.

The default provider order is not a scored ranking. Budget filters exclude unverified prices. Annual-only plans use the annual price divided by 12 for matching, while retaining annual billing. The guided form filters by program structure and adds residency context; it does not assess legal needs, confirm eligibility, or recommend a policy.

State selections are context.

The state filter excludes selected plans with residency restrictions explicitly recorded in our sources. Selecting no permit hides permit-required plans; another general plan is used when available. Plans requiring professional, team, or special state eligibility are never selected automatically. An explicit plan choice is retained across filter changes and may be hidden when it no longer matches. A remaining column does not establish availability. Product structure, requirements, travel territory, and state-specific terms must be confirmed directly.

Editorial and commercial separation.

Independent comparisons. Provider links are direct links; we do not currently earn commissions from them. Compensation will not determine provider order. We do not publish invented ratings, customer experiences, or claims statistics.

Scope of the initial comparison.

This is an initial comparison of four providers, not a complete market survey. We have not purchased these memberships for testing or evaluated individual claim outcomes. Prices and agreements can change after a source check.