Rating
The quote starts mostly filled
Prefill pulls household drivers, vehicles, and property data onto the record before anyone types. A returning customer starts from what you already know about them, not from a blank screen.
Rating
Rate calls 1, 2, and 3. On your own appointments.
One submission, many carriers, real premiums. From first indication through bindable rate to issued policy, without ever leaving the record.
How a quote becomes a policy
Three calls, one submission.
Most comparison stops at an indication. BindIQ carries the same submission all the way to an issued policy.
Submission / AUT-4471-88 / MILakeshore Insurance Group
7 responses| Carrier | Coverage tier | Premium | Status |
|---|---|---|---|
| Carrier A | Standard | $1,284.00 | Returned |
| Carrier B | Preferred | $1,417.50 | Returned |
| Carrier C | Basic | $968.25 | Returned |
| Carrier D | Standard | $1,356.75 | Returned |
| Carrier E | Preferred | — | Returning |
| Carrier F | Standard | — | Not started |
| Carrier G | Basic | — | Not started |
- Rate call 1
Rate call 1 - the indication
Broad-market comparison across your appointed carriers from the data already on the record. Fast enough to use on the phone.
- Rate call 2
Rate call 2 - the real premium
Carrier questions answered, drivers and violations confirmed, discounts applied. What comes back is a premium the customer can actually buy.
- Rate call 3
Rate call 3 - bind and issue
Down payment collected, policy issued, and the policy lands in the book of record without anyone keying it a second time.
Rating
Your appointments, your rates
Rating runs under your agency's own carrier credentials. The premiums that come back are the ones you can actually write, under the appointments you fought to get.
Rating
Coverage beyond the API
Carriers without an integration are reached through a bridge, so the comparison in front of the customer is not limited to whatever happens to be wired up.
Rating
The quote keeps moving.
The submission stays on the record from the first indication to the policy that gets issued.
- Auto, home, condo, renters, and bundles
- Start with the line the customer called about and keep the household in view. When the record has the rest of the picture, the bundle conversation has somewhere to begin.
- A proposal the customer can read
- Put the choices in a format a customer can follow. The proposal carries the rate, the coverage, and the next step without asking the producer to rebuild the quote by hand.
- Re-rate when the data changes
- A quote changes when a driver, vehicle, property, or coverage changes. Run the same submission again without rebuilding the record.
Rating
Down payment and premium finance
In non-standard auto the down payment is most of the sale. Collection and premium finance are part of the flow, not a separate errand at the end.
See it on your own book.
Bring a handful of your policies and a state you write in. We will walk through rating, the record, and the renewal list.
Request a demo