Reduce the Loss Ratio

of your Auto Book with Unmatched Risk Selection

Fast-track Profitable Growth with Individualized Intelligence

Pinpoint offers the earliest individual-level risk predictions to auto insurers available on the market today, enabling them to strategically position themselves for both immediate profitability and sustained financial robustness in the long run.

Our automated risk selection platform provides insurers access to predictions that focus on the WHO behind the vehicle. By leveraging the combination of deep learning and trillions of individual behavioral predictors on over 250 million US adults, insurers can improve their loss ratios by 3–10 points.

Read our guide: Why it is Crucial for P&C Insurers to Act Now Among Pressing Insurance Challenges

The chart above presents a Pinpoint Risk Score lift chart, forecasting the likelihood of non-payment cancellations within a carrier’s automotive portfolio

Quantify your Customer and Prospect Risk Earlier and More Accurately

Auto insurers receive early, powerful individual-level intelligence on the loss ratios of their prospective business and existing policyholders. With just a name and address, insurers can access to Loss Predictions (claims frequency, severity, loss cost) and Risk Scores (indicating the likelihood of litigation, pre-quote SIU referral, cancellation, and specific types of premium leakage).

Use Pinpoint to:

Identify the most and least profitable homeowner segments

Deploy our risk-selection platform in your marketing, distribution, agencies, and underwriting flows

Leverage our risk selection platform to design and achieve your growth and profitability objectives

Deploy Pinpoint in your Business Operations in Minutes

Pinpoint provides auto insurers with the earliest and most accurate risk stratification, reducing loss ratios by 3–10 points. Many auto insurers rely on our platform, which is managed under robust regulatory compliance programs, to impact core insurance outcomes at the top of the funnel. Here are some areas of business where clients use us.

Customer Acquisition

Customer Acquisition

Segment leads and audiences by Loss Ratio, and target new business accordingly

Policyholder Retention

Policyholder Retention

Identify the segments of your book most likely to non-pay, cancel, or to churn

Pre-Application

Pre-Application

Optimize underwriting processes for your prospective policyholders

Agency and Channel Performance

Agency and Channel Performance

Determine your best agencies and channels that fit your risk appetite

Comparative Raters

Comparative Raters

Make quote or no-quote decisions based on real-time profitability intelligence

Agency Book Review

Agency Book Review

Evaluate the future performance of individual insureds within existing portfolios and agency books

Pre-Renewal

Pre-Renewal

Prioritize in-depth underwriting and inspections based on each insured’s expected loss ratio

Agency Book Acquisition

Agency Book Acquisition

Assess the profitability of a book of business before acquisition

Going Above and Beyond Traditional Risk Assessment

Beyond Credit, Zip Code, and Demographics

Pinpoint behavioral intelligence adds tremendous new complementary value by providing a more comprehensive risk profile on the person insured – rather than stopping short at their vehicle.

Beyond Claims History

Historical data is often incomplete and provides only limited predictive power. Pinpoint also accounts for future behavioral propensities, as leading tech companies do, enabling our clients to reduce loss ratios by 3-10 points.

Hear from Our Clients

Ready to Accelerate Profitable Growth?

Fast-track your Profitability and Portfolio Optimization with Pinpoint