With $140 billion in personal auto premiums being shopped annually^[1], the ability to make informed decisions at Rate Call 1 can significantly impact competitive positions. Traditional snapshot policy data is no longer enough to maintain an edge in today’s market.

A new Verisk white paper, Auto Policy History Analytics: The Future of Risk Segmentation, reveals how leading insurers are staying ahead by leveraging:

• Next-gen analytics derived from up to 7 years of policy history data
• Innovative applications that enhance both acquisition and retention
• Proven strategies from industry leaders, illustrated through two case studies

Discover how these innovative approaches can help modernize analytic tool kits, refine segmentation, and stay ahead in a fast-changing market. Download the free white paper for an in-depth look at how to use auto policy behavioral insights to drive sustainable, profitable growth.

By Jim Levendusky and Greg Firestone

Jim Levendusky, Vice President Data at Verisk, oversees product development and data governance for auto insurance contributory products, A-PLUS and Coverage Verifier, as well as Coverage Verifier Analytic Objects. These tools enable insurers to enhance risk segmentation with predictive behavioral insights, allowing policies to be quoted and bound in seconds while helping to drive sustainable, profitable growth. Jim can be reached at JLevendusky@verisk.com.

Greg Firestone, Vice President Analytic Solutions at Verisk, oversees personal and commercial auto, technology, data, and Inflection^TM. His career before joining Verisk was at a top 10 insurer where he spent 18 years in various data science positions utilizing his deep knowledge to help improve insurance rates, refine marketing via customer lifetime value, and enhance claims processes through machine learning. Greg can be reached at Gregory.Firestone@verisk.com.

[1] Verisk, Auto Policy History Analytics: The Future of Risk Segmentation, March 2025