Auto Insurance Quoting and Underwriting

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Auto Insurance Quoting and Underwriting Solutions


Underwrite policies with confidence by accessing comprehensive data analytics tools that provide a more holistic view of consumers and their risk profiles.

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Accelerate and improve the customer quote experience, automate workflows and price more precisely and confidently with solutions that consider billions of public records and attributes to verify, enrich and prefill insurance policy applications.


LexisNexis® Auto Data Prefill
Draws from the largest source of industry trusted data assets and applies our proprietary linking to instantaneously return accurate household and vehicle policy data for a more complete picture of risk and friction-free quoting process.

LexisNexis® Solutions at Quote
Uses a simple inquiry to deliver a comprehensive and interactive report about the drivers and vehicles associated with a specific address so you can quickly understand the risk for any potential auto insurance policy.
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Improve segmentation and rating with credit and complementary non-credit data, scoring models and data attribute packs that offer a more comprehensive view of a customer.

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LexisNexis® National Credit File

A report that standardizes consumer credit history inquiries for three major credit bureaus and automatically incorporates results into the underwriting workflow.

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LexisNexis® Attract Modeling Suite

Includes credit-based insurance scores and attributes that rank a risk across various loss measures, including loss ratio, average loss, pure premium and claim frequency.

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LexisNexis® InsurView™

Uses non-credit based scores and attributes to complement traditional scoring methods for a more holistic view of a policy risk.

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LexisNexis® Insurance Payment History

A contributory database that provides a full view of a policy holder’s payments — from first invoice through renewal or cancellation with information about payment methods and cadence, late payments and cancellations.

Access the industry’s most comprehensive contributed data sources for better insights about your underwriting risk and customers.


LexisNexis® C.L.U.E. ® (Comprehensive Loss Underwriting Exchange) Auto
A claims history information exchange that includes up to seven years of personal automobile loss data from over 99% of the market to help promote underwriting speed and accuracy, improve segmentation, reduce risk and liability and streamline decision making.

LexisNexis® C.L.U.E. Auto® Damage 360
An enhanced C.L.U.E. Auto® data set helps you rate the risk with more precision. C.L.U.E. Auto® Damage 360 pulls accident records from LexisNexis® Vehicle History® and police record data on a C.L.U.E.® subject and vehicle inquiry so you can find incremental events not tied to a claim.

LexisNexis® Current Carrier®
An industry-leading contributory database that provides current personal auto and property policy information. Carriers can streamline underwriting and rating processes by accessing policy data about a consumer to identify coverage types and limits, lapses in coverage and lienholder information.

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Drive Optics is a scalable solution suite that provides end-to-end insights about driving and vehicle risk for faster and more accurate underwriting decisions and a more positive consumer experience.


Driving Risk: Violations solutions
Leverage vast driver and violation data resources to optimize expense management and improve rating integrity.

Vehicle Risk solutions
Create and maintain a holistic view of a vehicle’s lifecycle with VIN-level build sheet information and lifetime historical events.

Driving Risk: Telematics solutions
Provide timely connected car data and mobility risk insights to promote a better customer experience.
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Helping you access more driving behavior data to better assess risk

Our source-agnostic telematics exchange can receive and manage data from connected vehicles, mobile apps and third-party services. The driving behavior data received is normalized and used to generate scores and attributes that are more easily ingested into insurance carrier workflows to help better assess risk.