<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core consumer pages — clean URLs (no .html) -->
  <url>
    <loc>https://www.findbestinsurancerates.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.findbestinsurancerates.com/how-it-works</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.findbestinsurancerates.com/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.findbestinsurancerates.com/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.findbestinsurancerates.com/blog</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Quote flow -->
  <url>
    <loc>https://www.findbestinsurancerates.com/quote-form</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Location landing pages -->
  <url>
    <loc>https://www.findbestinsurancerates.com/state</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.findbestinsurancerates.com/city-insurance</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Tools + utility -->
  <url>
    <loc>https://www.findbestinsurancerates.com/tools</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.findbestinsurancerates.com/agent-profile</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Agency recruitment / portal (consumer-facing parts) -->
  <url>
    <loc>https://www.findbestinsurancerates.com/for-agents</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.findbestinsurancerates.com/agent-hub</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- agent-login intentionally omitted (noindex meta in the page) -->

  <!-- Legal -->
  <url>
    <loc>https://www.findbestinsurancerates.com/legal</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
