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  <!-- Core Static Views -->
  <url>
    <loc>https://policyvaulted.com/</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?view=guides</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?view=calculator</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?view=states</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?view=carriers</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal & Transparency Pages (E-E-A-T) -->
  <url>
    <loc>https://policyvaulted.com/?page=about</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?page=contact</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?page=editorial</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?page=disclosure</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?page=disclaimer</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?page=privacy</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?page=terms</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Pillar High-Risk Auto Insurance Guides -->
  <url>
    <loc>https://policyvaulted.com/?article=dui-insurance-cost</loc>
    <lastmod>2026-08-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?article=sr22-insurance-explained</loc>
    <lastmod>2026-08-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?article=high-risk-insurance-carriers</loc>
    <lastmod>2026-08-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?article=young-driver-insurance</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?article=coverage-lapse-remedy</loc>
    <lastmod>2026-08-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?article=non-owner-sr22-guide</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?article=rideshare-gig-insurance</loc>
    <lastmod>2026-08-17</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://policyvaulted.com/?article=fr44-vs-sr22</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
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