LexisNexis® Active Insights Shopping

Know when your auto policyholders are shopping—so you can respond at the right time, with the right message.

Know when your auto insurance customers are in market—before they leave you

Policyholders often shop before renewal, long before most U.S. P&C carriers are aware. Without visibility into shopping behavior, you can miss early signs that your most valuable customers are at risk of leaving.

LexisNexis® Active Insights Shopping gives you next-day alerts for two behaviors that put retention at risk: shopping for insurance and listing a home for sale. Verified activity from industry-wide, cross-carrier shopping data allows you to view your policyholder’s shopping behavior as it happens. That means you engage customers at the right moment—and focus your retention spend where it matters most.

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Get industry-wide policy shopping insights to make every retention dollar work harder

Spot attrition early

Get next-day alerts when your customers shop for insurance or list their home.

Keep the right customers

Use industry-wide insights and predictive intelligence to confidently engage customers before they switch.

Reveal timely cross-sell signals

Identify natural opportunities for coverage reviews and added protection.

Actively manage for profitable growth

Use ongoing shopping insights to elevate your retention strategy and enhance your book of business.

Reduce attrition and protect your most profitable customers

Auto insurance shopping remains high, underscoring the importance of identifying when policyholders are in the market—and engaging with them before they move on.

More than 46% of policies in force were shopped at least once in 2024.
As of July 2025, retention has declined 5.1 percentage points, contributing to 6.7 million more policies churning annually — a 30% increase from 2022.
Long-tenured customers—those with more than 10 years of tenure—have shown large increases in shopping activity, driven by many who shopped for the first time.

Carriers using Active Insights Shopping saw a 13.3% reduction in attrition compared to a control group. That means fewer customers lost before renewal.

Source: LexisNexis® Risk Solutions, Internal Study, 2025

Act with confidence to retain the customers you want to keep

How does Active Insights Shopping identify customers likely to switch?

Active Insights Shopping monitors your book of business and compares it to verified auto insurance shopping and home-listing events observed across the LexisNexis® Risk Solutions insurance network—the same infrastructure that offers a view on more than 200 million U.S. insurance purchase decisions a year.²When a policyholder matches an event, you receive a next-day alert.

Spot attrition early with:

	Timely alerts Drive proactive retention using the latest policyholder shopping and retention insights available.
	Industry-wide reliable data Gain visibility beyond your internal data with verified, cross-carrier quoting behavior across the U.S. auto market.
	Seamless delivery Receive alerts automatically through secure SFTP transfer.

²Source: RELX 2025 annual report

How does Active Insights Shopping identify customers likely to switch?

Active Insights Shopping monitors your book of business and compares it to verified auto insurance shopping and home-listing events observed across the LexisNexis® Risk Solutions insurance network—the same infrastructure that offers a view on more than 200 million U.S. insurance purchase decisions a year.² When a policyholder matches an event, you receive a next-day alert.

Spot attrition early with:

	Timely alerts Drive proactive retention using the latest policyholder shopping and retention insights available.
	Industry-wide reliable data Gain visibility beyond your internal data with verified, cross-carrier quoting behavior across the U.S. auto market.
	Seamless delivery Receive alerts automatically through secure SFTP transfer.

²Source: RELX 2025 annual report

How do personal U.S. P&C carriers use Active Insights Shopping to improve retention?

Use verified shopping alerts to reach policyholders who compare quotes mid-term or before renewal.

Drive retention and strengthen profitability:

	Keep your best customers Distinguish between casual shoppers and customers at risk of leaving. See how many times a consumer has shopped and with how many carriers.
	Identify cross and upsell opportunities Offer bundled auto-home coverage or added protection at the right time—using verified shopping events.
	Prioritize retention spend Focus effort on the policyholders you want to keep and engage them with the right message at the right time.

How do personal U.S. P&C carriers use Active Insights Shopping to improve retention?

Use verified shopping alerts to reach policyholders who compare quotes mid-term or before renewal.

Drive retention and strengthen profitability:

	Keep your best customers Distinguish between casual shoppers and customers at risk of leaving. See how many times a consumer has shopped and with how many carriers.
	Identify cross and upsell opportunities Offer bundled auto-home coverage or added protection at the right time—using verified shopping events.
	Prioritize retention spend Focus effort on the policyholders you want to keep and engage them with the right message at the right time.

How does combining Active Insights Shopping with other models strengthen retention and profitable growth?

On its own, Active Insights Shopping continuously monitors your book of business, so you can respond proactively when policyholders enter the market. Combine these insights with other non-FCRA predictive models to prioritize outreach by claims risk and expected tenure.

	Align retention efforts with risk appetite LexisNexis® Marketing Risk Classifier enables you to segment individuals according to their claims risk.
	Focus on customers who will stay LexisNexis® Prospect Survival identifies consumers likely to stay after the first policy term.

How does combining Active Insights Shopping with other models strengthen retention and profitable growth?

	Align retention efforts with risk appetite LexisNexis® Marketing Risk Classifier enables you to segment individuals according to their claims risk.
	Focus on customers who will stay LexisNexis® Prospect Survival identifies consumers likely to stay after the first policy term.

LexisNexis® Active Insights is not provided by “consumer reporting agencies,” as that term is defined in the Fair Credit Reporting Act (15 U.S.C. § 1681, et seq.) (“FCRA”) and do not constitute “consumer reports,” as that term is defined in the FCRA. Accordingly, LexisNexis® Active Insights may not be used in whole or in part as a factor in determining eligibility for credit, insurance, employment or for any other eligibility purpose that would qualify it as a consumer report under the FCRA. Due to the nature of the origin of public record information, the public records and commercially available data sources used in reports may contain errors. Source data is sometimes reported or entered inaccurately, processed poorly or incorrectly, and is generally not free from defect. This product or service aggregates and reports data, as provided by the public records and commercially available data sources, and is not the source of the data, nor is it a comprehensive compilation of the data. Before relying on any data, it should be independently verified. LexisNexis® Current Carrier is a consumer reporting agency product provided by LexisNexis Risk Solutions and may only be accessed in compliance with the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright © 2026 LexisNexis Risk Solutions

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LexisNexis® Active Insights Shopping

Know when your auto insurance customers are in market—before they leave you