Quoting Session

After completing quote information, confirm or update the Applicant and Co-Applicant selections. Enter as much risk detail as possible on the Quoting Session screen to obtain accurate carrier rates. You can complete the fields and tabs in any order and must enter some risk detail to obtain rated quotes. If your agency has enabled Data Prefill, you can use this capability to automatically populate driver or dwelling information in risk detail on a new quote or a quote for a remarketed policy.

The available fields and tabs vary, depending on the policy type you are quoting. As such, this article provides examples of the basic functionality for quoting sessions, rather than comprehensive step-by-step instructions for specific lines of business. Common risk details are documented in Applied Epic Basics. Risk details specifically related to the Quoting Session screen or to specific types of risks are documented below.

Some information and fields in risk detail display based on existing client information in the system (for example, the account’s Primary Contact defaults as the Applicant). Contact information only displays for contacts with the Policy category designation. Some fields display based on Quoting Defaults selections for the selected state and/or line of business in Quotes Setup.

Proper names in risk detail may be capitalized automatically, depending on the Auto Capitalization settings your organization has configured. For more information on how these settings are applied, see Applied Basics on Auto Capitalization.

If you are remarketing an existing policy, the information from the existing policy displays in the quote’s risk detail. You can edit this information or enter additional details if necessary.

If any carrier-specific questions exist for the state in which you are quoting, a Carrier Specific tab displays. Answer the questions on this tab to ensure that you receive the most competitive rates. Questions are grouped into sections by carrier, with questions common to multiple carriers in a Shared Carrier-Specific Questions section. You can collapse and expand the sections for easier viewing.

Select Applicants

On the Select Applicants popup, ensure the correct Applicant and Co-Applicant information populates on your quote. The dropdown lists populate with all Contacts on the client account, the Applicant and Co-Applicant from the existing policy (if they do not match existing contacts or drivers), and all Drivers on the existing policy (for remarketed Auto quotes). You can leave either or both fields blank if necessary (for example, if there is no co-applicant or if you need to manually enter an applicant who does not display in the dropdown list). For remarket quotes, the Applicant and Co-Applicant on the existing policy display for reference.

If the information for Applicant and Co-Applicant are accurate, click Skip. If any information is incorrect, select a different Applicant and/or Co-Applicant from the dropdown list(s), then click Select Applicants.

Data Prefill

Data Prefill enables you to quote quickly and accurately by pulling all available information about your contact (such as VIN, driver’s license number, or home heat system) into your quote. The Data Prefill workflow is the same for Home and Auto quotes, with a few differences regarding Applied Epic information (noted below).

The Data Prefill window displays automatically after you click Add in the Quote Information window for a new or remarketed quote. If you skipped Data Prefill, click the Click here to launch Data Prefill link label on the Dwelling, Drivers, or Vehicles tab.

The Start Data Prefill window displays the client’s Primary Contact information. If the Primary Contact information does not display, enter the information manually. After completing the quote, add any manually entered information to the contact details.

Note: Because agencies use a limited number of Data Prefill lookups, verify the insured’s information before starting the Data Prefill to ensure you are looking up information for the intended person. Click the Edit button to make any necessary updates.

To complete a Data Prefill Lookup for the quote, do the following:

1. Verify and finalize the Primary Insured information in the Start Data Prefill window and click Start Data Prefill.
2. The Data Found window displays dwelling information from Data Prefill for the address you provided on the previous screen (for a Home quote), or driver/vehicle information from both Applied Epic and Data Prefill (for a Personal Auto quote). The system pulls driver information from Contacts for new Personal Auto quotes and driver/vehicle information from the existing policy for a remarketed Personal Auto quote.
   
   Click any entries you do not want to carry over to risk detail for the quote then click Prefill [#] Total Fields to populate the corresponding fields in risk detail with the remaining entries.
   
   If there are conflicts between the Data Prefill and Applied Epic values, a Continue button displays instead of Prefill [#] Total Fields. To resolve the conflicts, do the following:
1. Click Continue.
2. The Conflict Resolution window displays the Data Prefill and Applied Epic value for each conflict. Select the correct entry for each of these items.
3. Click Prefill [#] Total Fields.
3. The Quoting Session screen displays a summary of the information added and the number of risk detail fields populated by Data Prefill. Click the X to close this notification.

Adding Quotes

You can include additional quotes in the same session (for example, if the client wants both a home and an auto quote). The information copied into the new quote depends on the option you select to add another quote and the line of business.

To add more quotes to the same session, do one of the following:

• Add Quote

  The Add Quote option copies the information from the selected quote’s Applicant and Address tabs to the new quote automatically.

  1. Click the Add Quote button .
  2. Click Continue to Copy on the pop-up message to proceed to the Quote Information window.
  3. Complete the Quote Information fields for the new quote and click Finish.
  4. Risk detail displays for the selected line of business. Click on the Applicant and Address tabs to review the information that copied from the existing quote and modify this information if necessary.
• Copy Quote

  The Copy Quote option copies all risk detail information (excluding Quote Results rates) from the selected quote to a new quote for the same line of business. If you select a different line of business for the new quote, however, only the Applicant and Address information copies from the existing quote.

  1. Right click on the button  for the quote you want to copy and select Copy Quote from the dropdown menu.
  2. Click Continue to Copy on the pop-up message to proceed to the Quote Information window.
  3. Complete the Quote Information fields for the new quote and click Finish.
  4. Risk detail displays for the selected line of business. Click on each tab to review the copied information and modify it if necessary.

Navigation

Once you have entered the Quote Information, risk details for the selected policy type displays. Click each tab to view or enter the information for that section. To navigate between tabs, click the Next and Back buttons at the bottom of the screen.

If you cannot complete the risk detail in one session and want to save your work to complete later, click the View All of Account’s Quotes link label. This saves your work and returns you to the client’s Quotes list. When you are ready to resume the quote, select it in the Quotes list (where it will have a status of In Progress) and click the Edit/View button .

After you have completed risk detail, click the Get Quotes button to submit the quote for rating and proceed to the Quote Results screen.

Requirements

Several types of requirement markers display in risk detail, and some individual fields may only be required for certain carriers. Tab-level markers indicate whether all required information has been entered on a tab:

• A red bar displays when required fields are left blank .

• A green bar displays when required fields contain a valid entry .

Lists in risk detail validate the required field entries for each list item, and any list item that is missing required information displays in red.

Field-level requirement markers display as a red asterisk beside a field label:

Hover over the red asterisk to display the carriers that require an entry in the field, as individual carriers’ requirements may vary. When you submit the quote for rating, carriers requiring information you have not completed display Required Information Needed in place of a premium in the Quote Results list.

If you navigate away from a tab without completing a required field, the field is outlined in red and an exclamation point icon displays beside it:

Field-level requirements may update dynamically, and additional required fields may display based on other entries and selections you make in risk detail.

Searches

The following lookups are specific to Personal Auto quotes and unique to the Quoting Session screen. To learn more about other basic system controls, see Applied Epic Basics.

VIN Searches

In the Add New Vehicle section of the Vehicle tab, you can locate a vehicle by VIN or by VIN Stub (if you have other information about the vehicle but not a complete VIN). If you used Data Prefill to populate vehicle information in risk detail, you do not need to run a VIN search as the VIN automatically populates.

If you know the vehicle’s VIN, do the following:

1. Enter the VIN and click Search.
2. If the vehicle details displaying are not incorrect, click the Retry Vehicle Lookup link label to search again.

If you do not know the vehicle’s VIN, do the following:

1. Click the Don’t have a VIN? link label.
2. Select the Vehicle Type (optional), Year, Manufacturer, and Model. The list populates with VIN Stubs based on your selections
3. Select a VIN Stub and click the Select Vehicle button.
4. If the vehicle details displaying are incorrect, click the Retry Vehicle Lookup link label to search again.

Address Validation

Each address field (current, mailing, prior, and/or garage) on the Address tab contains a Validation button, as these addresses require USPS validation for carriers to return rates. If you used Data Prefill to populate dwelling information in risk detail, Data Prefill validates the address.

To enter and validate addresses, do the following:

1. Enter the address in the field. A dropdown list of addresses matching your entry populates as you type. Select an address from this list.
   
   To enter each portion of the address individually, click the Full Edit button. Enter the address in the fields and click the Validate button. A green checkmark displays if the address is valid. If the address cannot be validated, confirm that you have entered it correctly.
2. If you know the address is correct but it does not pass USPS validation, click the Use as entered button. In this situation, the lack of USPS validation will not prevent carriers from providing a rate.
3. To edit an address, click the Edit button and make any necessary changes then click the Validate button.
   
   To delete an address, click the Delete button next to the list then click the Delete Address button in the validation pop-up.

Contact Lookup

In the Applicant and Driver sections for home and auto quotes, you can view and revise contact information on-the-fly for existing quotes to save time.

To view the contacts on the account and pull their data into the quote, do the following:

1. Click the Client Lookup button .
2. On the Contact Lookup window, select a contact from the account then click Select Contact to continue.
   
   The Replace Data window displays the contact/driver information on the quote to be replaced with your selected contact’s information and the information to be removed for applicable fields (Vehicle Principal Operator and Incident Driver).
3. Click Replace Data.

Swapping Applicant Information

If you enter a co-applicant’s information in the Applicant fields on a quote, or a carrier provides a better rate for a different Applicant, you can swap this information between applicants. From the Applicant tab in the Applicant and Co-applicant section, click the Swap Applicants link label to move the Applicant’s information to the Co-Applicant fields or vice versa.