Resource Center

Real-Time carrier comparison

For Real-Time Rating, each Auto carrier may process a quote a bit differently. Some carriers, for example, may quote vehicles garaged out-of-state while others do not. We’ve compiled an easy-to-read “yes-or-no” chart so you can see important Real-Time Auto carrier differences at a glance.

To get started, choose the carriers you want to compare by clicking on the “Compare Carriers” button.

Arbella Commerce Concord Group Hanover Harleysville MetLife National General NGM Norfolk and Dedham Plymouth Rock Preferred Mutual Progressive Quincy Mutual Safeco Safety Insurance Travelers Vermont Mutual

RMV Lookup

Does the carrier retrieve and validate driver history using a license number?
Does the carrier retrieve and validate vehicle history using a full VIN?

Clue Reporting

Does the carrier run a Clue Report as part of the Real-Time Rating process, taking into account at-fault and not-at-fault accidents as part of the rating criteria?


Accept/Reject: Does the carrier determine if the risk is eligible or ineligible during the Real-Time Rating process?

Renewal Rating

Can the carrier quote renewal rates within WinRater/SinglePoint?

Effective Dates

Can the carrier quote prior rate filings further than 30 days back?

Motorcycle Rating

Can the carrier quote motorcycle risks in WinRater/SinglePoint?

Out of state Garaging

Can the carrier quote vehicles garaged out-of-state?

Out of state Drivers

Does the carrier handle drivers with out-of-state experience in a unique manner? (View specific carrier details on our website's Auto Tip Sheet)

Agency Codes

Does the carrier require specific agency code info in order to generate a real-time quote?

Automatic updates of Agency Codes

Does WR/SP automatically import your agency codes from the carrier and save them?

Modification of Limits

Does the carrier change unoffered limits entered in WinRater to its closest offering and present a rate?