Real ChatGPT answer + Gemini simulation · index seediLU7uxUojVYcompleteAI OverviewInsurance · renters insurancecomparison
How does the average monthly insurance cost for a zero deductible policy compare between Lemonade and State Farm?
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search32 queries10/30/2026
Download run
Gemini unique queries
31
1 in ≥ half the passes · stability 34%
ChatGPT real searches predicted
100%
1 of 1 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
How does the average monthly insurance cost for a zero deductible policy compare between Lemonade and State Farm?
31 unique queries · 3 passes
state farm deductible options and costs
1 query · 2 hits
state farm zero deductible policy monthly premium average2xGoogle ↗
RELATED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 31 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT1 real searches · gpt-6100% predicted
Lemonade vs State Farm average monthly insurance cost zero deductible policy renters insurance 2026 Google ↗
- Lemonade vs. State Farm Renters Insurance Comparison · moneygeek.com
- The Cheapest Renters Insurance for 2026: Find Your Best Price · nerdwallet.com
- Best Renters Insurance Companies in 2026 · moneygeek.com
- Lemonade Renters Insurance Review 2026: Pros, Cons and Rates · nerdwallet.com
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
31 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
state farm zero deductible policy monthly premium average RELATED | Google ↗ AI Mode ↗ | The user wants to find the average monthly cost of a zero deductible insurance policy with State Farm. | — | pricing_page | state farm deductible options and costs | 2x of 3 | |
lemonade vs state farm zero deductible cost comparison REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct side-by-side cost analysis of zero deductible plans from Lemonade and State Farm. | — | comparison_table | lemonade and state farm comparison | 1x of 3 | |
Lemonade vs State Farm zero deductible monthly premium cost REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct restatement of the original query focusing on the comparative monthly costs for zero deductible plans. | — | comparison_table | lemonade and state farm comparison | 1x of 3 | |
lemonade vs state farm zero deductible insurance cost comparison REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct price comparison of zero deductible policies between Lemonade and State Farm. | — | comparison_table | lemonade and state farm comparison | 1x of 3 | |
average monthly insurance cost zero deductible lemonade RELATED | Google ↗ AI Mode ↗ | The user wants to isolate the specific average pricing for Lemonade's zero deductible policy. | — | pricing_page | lemonade zero deductible cost and avail… | 1x of 3 | |
average cost of zero deductible insurance lemonade state farm RELATED | Google ↗ AI Mode ↗ | The user wants to find baseline average pricing information for zero deductible policies from both companies. | — | web_article | lemonade zero deductible cost and avail… | 1x of 3 | |
average monthly cost of lemonade zero deductible renters insurance ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to isolate the specific average monthly pricing for Lemonade's zero deductible tier. | — | pricing_page | lemonade zero deductible cost and avail… | 1x of 3 | |
does lemonade offer zero deductible insurance IMPLICIT | Google ↗ AI Mode ↗ | The user wants to verify if Lemonade actually provides zero deductible policy options. | — | faq_page | lemonade zero deductible cost and avail… | 1x of 3 | |
is a zero deductible insurance policy worth it IMPLICIT | Google ↗ AI Mode ↗ | The user wants to understand the cost-benefit trade-offs of choosing a zero deductible over higher deductibles. | — | web_article | best zero deductible insurance options | 1x of 3 | |
Lemonade vs State Farm renters home insurance comparison COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to see a broader comparison of Lemonade and State Farm for home or renters insurance. | — | review_roundup | lemonade and state farm comparison | 1x of 3 | |
is a zero deductible insurance policy worth the extra cost RELATED | Google ↗ AI Mode ↗ | The user wants to understand the cost-benefit trade-off of choosing a zero deductible over a standard deductible. | — | web_article | best zero deductible insurance options | 1x of 3 | |
lemonade insurance pricing factors deductible options ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to know how Lemonade structures its deductibles and how they impact the final price. | — | product_spec_sheet | lemonade pricing structure and deductib… | 1x of 3 | |
State Farm insurance policy deductible options explained ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to understand how State Farm structures its deductibles, specifically regarding zero dollar options. | — | glossary/definition | state farm deductible options and costs | 1x of 3 | |
how do insurance deductibles affect monthly premium prices IMPLICIT | Google ↗ AI Mode ↗ | The user needs foundational knowledge on how deductibles inversely scale with monthly insurance premiums. | — | glossary/definition | how deductibles affect monthly premiums | 1x of 3 | |
state farm deductible choices and rate impact ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to explore State Farm's deductible structures and how lowering a deductible to zero changes the premium. | — | faq_page | state farm deductible options and costs | 1x of 3 | |
best affordable insurance company with zero deductible PERSONALIZED | Google ↗ AI Mode ↗ | The user wants recommendations for low-cost insurance providers that offer zero deductible choices. | — | buyers_guide | best zero deductible insurance options | 1x of 3 | |
lemonade insurance review 2024 pricing and deductibles RELATED | Google ↗ AI Mode ↗ | The user wants to read comprehensive reviews covering Lemonade's pricing structure and deductible options. | — | review_roundup | lemonade pricing structure and deductib… | 1x of 3 | |
how do insurance deductibles affect monthly premium price REFORMULATION | Google ↗ AI Mode ↗ | The user wants a general explanation of the mathematical relationship between deductible amounts and monthly premiums. | — | glossary/definition | how deductibles affect monthly premiums | 1x of 3 | |
Lemonade insurance pricing structure and deductible tiers ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants detailed information on how Lemonade prices its policies across various deductible tiers. | — | pricing_page | lemonade pricing structure and deductib… | 1x of 3 | |
state farm insurance coverage options and deductible choices RELATED | Google ↗ AI Mode ↗ | The user wants details on State Farm's available deductible tiers and how they apply to coverage. | — | product_spec_sheet | state farm deductible options and costs | 1x of 3 | |
best cheap insurance companies zero deductible COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to see if other affordable insurance competitors offer better rates for zero deductible policies. | — | review_roundup | best zero deductible insurance options | 1x of 3 | |
how do deductibles affect monthly insurance premiums RELATED | Google ↗ AI Mode ↗ | The user wants to understand the relationship between choosing a zero deductible and the resulting monthly payment. | — | calculator/tool | how deductibles affect monthly premiums | 1x of 3 | |
best renters insurance companies with zero deductible options COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to see how Lemonade and State Farm rank against other competitors offering zero deductibles. | — | buyers_guide | best zero deductible insurance options | 1x of 3 | |
cheapest renters home insurance zero deductible IMPLICIT | Google ↗ AI Mode ↗ | The user wants to find out which type of insurance policy with a zero deductible offers the lowest baseline cost. | — | buyers_guide | best zero deductible insurance options | 1x of 3 | |
State Farm zero deductible policy claims and costs Reddit IMPLICIT | Google ↗ AI Mode ↗ | The user wants real-world user experiences and actual costs regarding State Farm zero deductible policies. | — | forum/qna | state farm deductible options and costs | 1x of 3 | |
what insurance companies offer zero deductible policies RELATED | Google ↗ AI Mode ↗ | The user wants a list of insurance providers that even offer zero deductible endorsements or policies. | — | checklist | best zero deductible insurance options | 1x of 3 | |
first time home insurance buyer zero deductible cost PERSONALIZED | Google ↗ AI Mode ↗ | The user wants tailored insurance cost expectations assuming they are a new policyholder looking for premium coverage. | — | checklist | best zero deductible insurance options | 1x of 3 | |
Lemonade insurance hidden fees and deductible rules RELATED | Google ↗ AI Mode ↗ | The user wants to know if Lemonade has any special rules, restrictions, or fees associated with low or zero deductibles. | — | pdf_whitepaper | lemonade pricing structure and deductib… | 1x of 3 | |
how to choose the right insurance deductible for your budget RELATED | Google ↗ AI Mode ↗ | The user wants practical advice on selecting an appropriate deductible level based on financial capacity. | — | how_to_steps | choosing the right insurance deductible | 1x of 3 | |
lemonade vs state farm customer satisfaction and claims payout COMPARATIVE | Google ↗ AI Mode ↗ | The user wants a broader comparison of Lemonade and State Farm regarding claims handling and user satisfaction. | — | comparison_table | lemonade and state farm comparison | 1x of 3 | |
i want lower monthly insurance payments should i drop zero deductible PERSONALIZED | Google ↗ AI Mode ↗ | The user is contemplating altering their insurance deductible to lower their monthly bill. | — | faq_page | choosing the right insurance deductible | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 10 | 10 | — | 913 / 1,276 | |
| gemini-3.5-flash-lite | 2 | 10 | 10 | — | 913 / 1,275 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 913 / 1,488 |