How We Detect Local Insurance Price Movement
Local movement is detected from aggregated insurer rate observations by geography — not from national headlines alone.
Data inputs
The scrape pipeline feeds ZIP- and state-level aggregates. The timing engine compares recent windows to prior baselines and may flag drift when movement exceeds thresholds.
Hidden rate drift
When drift_detected is true, consumer copy may note that prices can move before renewal paperwork reflects the change. This is observational language, not a guarantee of savings.