Quoting Agent

The Quoting Agent ranks comparative quotes based on premium, carrier fit, and historical win probability.

How It Works

When you click Shop All Carriers, the Quoting Agent:

1. Gathers Quotes — Receives responses from all appointed carriers (30–60 seconds)
2. Ranks by Criteria:
   • Premium — Lower premium weighted 40%
   • Fit — Appetite match weighted 35%
   • Win Probability — Historical close rate weighted 25%
3. Highlights Best Quote — Displays top 3 recommendations
4. Explains Reasoning — Shows why each quote ranked where it did

Understanding the Ranking

The Quoting Agent assigns a Win Probability Score (1–100) based on:

• Historical data: similar risks, similar carriers, same underwriter
• Market positioning: is this carrier competitive for this risk?
• Client fit: does the coverage match what the client asked for?

Example:

• Quote 1: State Farm, $1,100/year, 92 win probability (recommended)
• Quote 2: Travelers, $1,050/year, 68 win probability (cheaper but riskier)
• Quote 3: GEICO, $1,200/year, 45 win probability (poor fit)

You might pick Quote 1 (best fit) even though Quote 2 is cheaper. The agent explains the trade-off.

Manual Override

You can ignore the agent's ranking:

1. View all shopped quotes
2. Select any carrier you prefer
3. Agent notes your choice; learns from it

Configuring the Quoting Agent

Settings:

| Setting | Options | Effect | |---------|---------|--------| | Weighting | Premium 40/Fit 35/Probability 25 (adjustable) | Changes ranking emphasis | | Min Win Prob | 0–100 | Hide low-probability quotes | | Price Threshold | $X over lowest | Hide quotes above a certain premium | | Hide Declined | Yes/No | Show/hide carrier declines |

For example, if you always want the cheapest option, increase Premium weighting to 70%.

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Next: Explore the Renewal Agent for automated renewal shopping.