Auto Policy History Analytics: The Next Evolution of Underwriting

April 23, 2025 / 2 min read

This is the first post in a series sharing insights from Verisk’s white paper, Auto Policy History Analytics: The Future of Risk Segmentation. Amid record-setting shopping behavior with few signs of slowing, the white paper features analysis and innovations to unlock predictive policy insights at Rate Call 1 to drive profitable, sustainable growth.

As personal auto insurance shopping accelerates, unlocking predictive policy insights at Rate Call 1 is a defining trait of industry leaders. Success often hinges on superior, sustainable acquisition and retention—but traditional snapshot data of the most recent carrier is losing its edge as a tool to distinguish among customers and outperform the competition.

Verisk delivers transformative policy history analytics that help optimize risk assessment at quote and drive profitable growth. Our new white paper is designed for executives and leaders in acquisition, actuarial, information technology (IT), product, and underwriting who require actionable insights to help reshape risk management, business eligibility, pricing, tiering, payments, lifetime value, and more.

For decades, insurers have leveraged policy and endorsement change behavior at renewal. What if you could harness historical policy data within seconds up front to more precisely predict future outcomes and tailor workflows, all while helping to quote and bind policies efficiently?

In a market where policyholders are shopping their coverage at an unprecedented and relentless pace¹, carriers that lack these predictive insights are driving blind—without a rearview mirror to see what’s behind or navigation to chart the road ahead. Insurers leveraging policy history analytics, in real time and at the point of quote, can streamline underwriting, enhance the customer experience (CX), and be better positioned to capture more market share.

Post-pandemic price hikes have led to $140 billion in auto premiums being shopped annually², increasing the risk of losing both new and existing policyholders to more agile competitors. The stakes couldn’t be higher, but insurance decision-makers can stay competitive by modernizing their analytic toolkit.

At Verisk, our rich data inspires forward-thinking innovation. We encourage you to learn more about how to steer around today’s roadblocks and explore new ways to thrive.

Take a deeper dive into auto policy analytic strategies when you read our white paper.

Download the white paper

Verisk, Auto Policy History Analytics: The Future of Risk Segmentation, March 2025, < https://www.verisk.com/resources/campaigns/auto-policy-history-analytics-the-future-of-risk-segmentation/ >, accessed on April 22, 2025
. Ibid.

Leveraging Auto Policy Analytics to Stay Ahead of the Competition

For decades, insurers have leveraged policy and endorsement change behavior at renewal. What if you could harness historical policy data within seconds up front to more precisely predict future outcomes and tailor workflows, all while helping to quote and bind policies efficiently?