Underwriting and Rating

LightSpeed for Personal Auto

Modernize insurance buying. Reduce multiple rate calls. Deliver reliable, bindable quotes in seconds.

A third of personal auto prospects leave the sales funnel before they’re quoted

A typical bindable quote can take 7 to 15 minutes to generate under the built-in delays that come with inefficient processes.¹ Burdensome insurance applications cause a third to half of prospects to drop off before they’re quoted.² And multiple rate calls cause 30 percent of quotes to be uprated at bind—compounding a poor customer experience.³

Digital insurers will own the future

In the modern era of insurance buying, a quicker quoting experience for your customers is non-negotiable. Unlocking one-rate acquisition with LightSpeed^® for Personal Auto could be your key to multiple competitive advantages.

Effortless applications

Enhance quoting with minimal inputs and superior accuracy through an advanced, data-forward approach on a modern personal auto underwriting platform.

Rapid quoting

Reduce rate calls and slash quote times by 50%-85%, ensuring lightning-fast customer service.

Unleashed growth potential

Broaden your sales funnel and complete more quotes, all while keeping acquisition costs in check, powered by our flexible pricing model.

Revolutionized shopping

Delight customers, boost conversion rates, and achieve profitable growth through personalized workflows and tailored solutions.

The future of risk segmentation

With record-setting shopping and switching, how can personal auto insurance leaders outperform the competition? Discover how next-gen policy history analytics are unlocking predictive insights at Rate Call 1 to drive profitable growth during a dynamic market.

Read the white paper

Noblr’s success will be dependent on aligning our processes with the increasing digital demands of our policyholders. Seamless access to all discovery data at the initiation of the quote process allows Noblr to optimize policyholder conversion, partner revenue, and underwriting results.

Download the white paper

Gary Tolman

Noblr

CEO and cofounder of Noblr and former CEO and president of Esurance

 Verisk is ahead of the curve in offering data to its insurer customers in novel ways that allow us to generate new value for the insurance consumer. By embedding high-quality risk data deeply within our underwriting, we can deliver on the vision of a better experience for the modern insurance buyer.

Steve Lekas

Branch

Co-founder and CEO

Verisk’s LightSpeed has shifted the economics of data usage, so we can capture robust insights upfront to help us assess risk, accurately rate, and improve our agent experience.

Alex Singletary

Pearl Holding Group

Vice President of Insurance Programs

Features and capabilities

Interconnected data

Start with minimal application data—name, address, date of birth, or even phone number—to drive precise insurance prefill incorporating household-level risk insights.

Streamlined integration

Optimize IT resources with an award-winning, all-in-one, insurance-ready platform, saving valuable time and effort.

Fraud detection

Validate application quality and uphold rating integrity in near real-time.

Powerful prefill

Experience precision at scale with our industry-leading prefill and unlock the full potential of comprehensive data and analytics to power digital insurance quoting.

Data-forward pricing

Propel leads through the sales funnel with our innovative model while minimizing cost per acquisition.

Customized workflows

Create agile processes for seamless multi-channel experiences, including innovative use cases such as embedded insurance.

Are you already using an insurtech provider?

Explore LightSpeed Personal Auto integrations available through core system providers.

Learn more

Related resources

Stay in the know about important industry trends and innovative solutions.

White paper

Auto Policy History Analytics: The Future of Risk Segmentation

Find the right insights with CVAO—an advanced suite of analytics that optimizes underwriting, pricing, and risk assessment using up to seven years of policy data.

Download the white paper

Webinar

Auto Markets in 2025: At the Crossroads of Profit & Fairness, Hard & Soft Markets

Personal auto insurers are at the intersection of hard and soft markets. Learn about new data sources, pioneering analytics, advanced technologies, and the latest innovations to better assess risk, achieve profitable new growth, and improve returns on existing book.

View the webinar

White paper

Unlocking One-Rate Auto Insurance Acquisition

Fundamental market shifts are transforming personal auto insurance. How can insurers unclog the sales pipeline and boost customer loyalty?

Download the white paper

Case study

Elevated Digital Quoting for Two Regional Auto Insurers

Learn how simplified integration enabled innovators to compete on a larger stage, boosting conversions, and profitability, and improving customer experiences.

Read the case studies

Press release

Branch Accelerates Growth and Customer Satisfaction with Verisk’s In-Depth Views of Household Risk

Branch is delivering fast, simple transactions for consumers that improve the customer experience and lift conversion rates by integrating granular reliable data...

White paper

Innovation Strategies for Auto Insurance Underwriting

This paper explores strategies for moving innovation forward in auto underwriting.

Read the white paper

Commercial And Personal Auto Insurance Digitization

Article

Transform auto quote experiences for what comes next

Increasing speed is becoming the norm for auto insurance quotes, driving digital transformation and data-forward strategies.

Read the article

Do more with the Verisk ecosystem

Future-proof your business with a partner that puts you in the driver’s seat.

Comparing Auto Insurance Quotes On Tablet

Coverage history and details

Gain a chronological, 360-degree view of risk, unlock predictive behavioral patterns, and discover multiple use cases.

Learn about Coverage Verifier

Loss history innovations

Achieve precise and optimized quotes by integrating claims data upfront, plus a new crash report enhancement for auto.

Learn about A-PLUS

Police Lights During Evening Traffic Stop

Driving history data

Rethink MVR expenses—one of the costliest aspects of auto insurance underwriting—with a transformative solution.

Learn about Driving History Solutions

Screen Data Reflecting On Persons Glasses

Rating integrity at every stage

Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.

Learn about the RISK:check Suite

Public records insights

Upgrade your MVR solution with more than 2 billion court records and over 300 million crash records for a clearer picture of driver risk.

Learn about Public Records Intelligence

Simplified compliance

Gain efficiency and security by outsourcing compliance for DMVs, lienholders, loss payees, and updates that impact loan and coverage verification.

Learn about CV Services

Contact us to learn more

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1-800-888-4476

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International Access code, then 800 48977489
When calling from the UK, please dial 00 800 4897 7489

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¹_{Verisk client experience.}

²_Ibid.

³ _Ibid.