I would like to respond to Steve Anderson's quote
The traditional process of a vendor calculating rates for multiple companies (called manufactured rates) and displaying them for agents no longer works primarily due to credit scoring.
This model has been changing for several years but it does work with credit scoring. We currently pull Realtime rates, we calculate rates, we calculate rates with credit/claims, and we produce Realtime rates. In our case, we let the agents have Realtime rating side by side with traditional comparative rates. We are the only comparative rating vendor where an agent can get a Realtime rate, a calcualated rate, and a company rate side by side.
Agents do not have to go to a separate site to pull credit and claims history. Agents run credit/claims internally as part of the quote and it is billed directly to the insurance company.
In many cases, agents upload directly into the carrier and work with the underwriter to get a policy issued.
So there is hope...unfortunately, we currently only work in the midwest. We have had requests from some of the vendors mentioned here to license our system to bring more rates into their system.
PS. I would like to add, this is NOT like doing Realtime in an agency management system where you never get rates, but instead get links into a Company website. Every company is quoted with a rate or a reason why a rate was not given, even for realtime!