Creating an Auto Quote

Creating an auto quote in the system is a multi-step workflow that includes entering quote information, entering risk detail, and reviewing carrier rates and quote details. This article provides you with the steps necessary to complete an auto quote from client creation to selecting a carrier rate and saving the auto quote.

1. To create an auto quote, begin by either creating or locating a client from Desktop Navigation in Applied Rating Services.

To create a new client, do one of the following:

• Click the New Client button on the options bar
• Click the Add button in Client Information section
• Click Client > New on the menu bar

Then, enter the client’s information and click OK.

Note: If your brokerage has the prefill licence, use the Prefill feature located at the bottom of the Add / Modify Client screen to prefill the client information.

To locate an existing client, complete one of the following workflows:

• Click the Locate button on the options bar to access a client, then
1. Click the dropdown menu to select other search criteria or click the Advanced button to add multiple search criteria.
2. Enter your search criteria in the Search field
3. Select the client in the Results list
   
• Click the Locate option in the Client menu on the menubar to access a client.
1. Click Client > Locate on the menubar.
2. Click the dropdown arrow to select other search criteria; click the plus sign to add additional search criteria if needed.
3. Enter your search criteria in the Search field.
4. Click the Locate button.
5. In the Results list, select the client and click OK.

2. Once you have created/located a client, do one of the following to launch AutoRater:

• Click AutoRater on the options bar
• Click Quote > New Auto on the menu bar
• Click the Add button and select New Auto in the Quote Summary section
3. The Quote information screen displays. Complete the following information:
1. Policy Information: Select the Province, Vehicle type, and the Effective date for the auto quote. The province defaults based on the client’s information, and the effective date defaults to the current date.  
   
   Note: The vehicle type defaults to the first available vehicle type based on the carriers you are licensed to quote with and the vehicle types they support for the selected province unless there is a default set. To set the selected vehicle type as the default, check the Set as Default checkbox.
2. Term Length: Check the 6 months checkbox to apply this term length to the automobile quote. 12 months defaults as selected and cannot be deselected.
3. Multi-Vehicle: Choose to Enable or Disable multi-vehicles for the automobile quote.
   
   If a multi-vehicle discount is required when quoting a single vehicle, select Enable. If you select Disable, the Single Vehicle MVD option will be disabled and unselected on the Vehicles tab.
4. Policy Discount: Select Combined Policy / Multi-Line, Multi-Line, or Disabled to determine the discount. If the discount applies to all carriers, check the checkbox.
5. Web Discount: A web discount can be Included or Excluded for the automobile quote.
   
   Note: To set your choice as a default, check the Set as Default checkbox.
6. Property Policy: If the client has an existing property policy enter the information here.
   
   Note: A policy type and a carrier is required to generate a Multi-line discount.
7. Automatic Substitution of Limits/Deds
   
   Select the Substitution Type:
• None
• More Coverage (Higher Premium)
• Less Coverage (Lower Premium)
• Closest to Selected

Note: To set your selection as the default substitution type, check the Set as Default checkbox.

8. Commercial Property (Available for select provinces): If the client has an existing commercial property policy, enter the information here.
9. Grid Level Calculation (Alberta only): Choose to Enable or Disable the grid level calculation.
   
   Note: To set your selection as the default, check the Set as Default checkbox.
10. Grid Level Assignment (Alberta only): Choose to Enable or Disable the grid level assignment.
    
    Note: To set your selection as the default, check the Set as Default checkbox.
11. Quote Type (AB only): Determine if the quote type is Standard or Re-marketing.
    
    Note: To set your selection as the default, check the Set as Default checkbox.
12. Promutuel (If licensed for Promutuel in Québec only) Required: Choose the Promutuel carrier from the dropdown for the auto quote
13. Criminal History (Québec only): Select Yes or No to the question Does anyone in the household have a criminal record?

4. Click OK to continue with the auto quote, or click Exit to close the workflow without saving the information.
5. The Information Prefill screen displays if you have the Prefill license.
6. The Additional Customer Information screen displays only if the insurance carriers that your agency is licensed for use a credit score to help assess risk and determine a premium.

7. The auto underwriting screen displays with the Vehicles tab selected. The vehicle type you selected on the Quote Information window displays in the Vehicles list.
   
   Enter the vehicle information for one of the following vehicle types:

• Private Passenger (Ontario) - For Ontario AutoRater quotes, the Private Passenger Vehicles tab in the Cloud version of Applied Rating Services (Applied Rating Services 2023 and later) has been modernized to streamline entering underwriting information. Other provinces will be added in future releases.

  The Private Passenger Vehicles tab includes the following attributes and functionality:

  • Required fields display with a red asterisk.
  • When leaving a field, validation messages display either directly under or above the applicable field(s).
  • In a dropdown menu, a value with a blue icon  indicates it is the suggested value for the selected vehicle.
  • On the Validation tab, when you click on a validation message that relates to a field located on the Vehicles tab, that field displays.

  To enter information and details on a vehicle, do the following:

  1. In the Vehicle Details section, enter the vehicle’s VIN. Depending on the VIN you enter, the following information displays:
  • Vehicle (Year, Make, Model, VICC Code)
  • Body Style
  • Fuel Type
  • Cylinders
  • List Price New

  Entering a vehicle VIN can yield multiple results when more than one vehicle have the same VIN. For more information, see the Multiple Vehicles with VIN article.

  Entering the VIN after selecting a vehicle may result in the VIN not matching to the vehicle. If this happens, a message displays with a Select Vehicle link within the message, allowing you to select a vehicle that matches the current VIN or to continue with the existing vehicle.

  2. In the Vehicle field, search for a vehicle. Enter the Year, Make, Model, and/or VICC of a vehicle to display a list of vehicles matching the values you enter. Select a vehicle from the dropdown menu.

  Note: You can enter the Year, Make, Mode, and/or VICC information in any order in the Vehicle field.

  Depending on the vehicle you select, the following information displays:

  • Body Style
  • Fuel Type
  • Cylinders
  • List Price New

  3. Click the Coverages button to select the Liability limit, Optional Increased Accident Benefits, Loss or Damage coverage and limits, and Endorsements.

  You can set coverage defaults based on your User ID under File > Save As Default and/or for a coverage group under Coverage Groups > Save As.

  Note: You must click the AB-Buy-Ups button to review the Optional Increased Accident Benefits. If you do not review the Optional Increased Accident Benefits, a message stating that the Accident Benefits have not been reviewed displays when you attempt to process the quote in the Validation screen.

  Select OK to apply your selections to the quote.

  4. Click the VRGs button to view/modify the Vehicle Rate Group Detail of the selected vehicle
  5. In the Purchase Details section, enter the List Price New, Purchase Price, Purchase Date (yyyy/mm/dd) and the km at Purchase of the vehicle.
  6. If applicable, select the Leased checkbox if the vehicle is leased then select New, Used, or Demo for the Purchase Condition of the vehicle
  7. In the Usage section, select the Primary Use of the vehicle with the Distance Driven of One-Way (km), Annual (km), and Business / Year (km).
  8. In the Garaging Location section, enter the Postal Code and City for the location the vehicle is primarily garaged and select where the vehicle is Parking at Night.
     
     Note: A Postal Code can generate one or more cities, depending on the specified territory. For example, if N8P is entered in the Postal Code for an Ontario auto quote, the City dropdown displays the options of Tecumseh and Windsor. Use the dropdown in the City list to select the appropriate city for the location. By changing the Postal Code, you can change the garaged location for the vehicle.
  9. Click the View Map button to review the garaging location using Google Street View or Google Satellite View. You can perform the garaging location review up to five times per quote, or until your total monthly amount of garaging lookups have been reached (a Monthly lookups remaining counter displays in the Garaging Location window).
     
     After reviewing a garaging location, select the Accept button to save the garaging location and return to the underwriting screen. The View Map button displays a green circle with a checkmark to indicate the address has been reviewed. This indication displays for all vehicles on the quote with a matching Postal Code and City.
  10. Click the Territories button to view/modify the Territory Detail for the selected location.
  11. In the Anti-Theft section, enter the Device Type, Manufacturer, and Engraving if the vehicle has an Anti-Theft system.
  12. In the Miscellaneous section, select the applicable miscellaneous options, Single Vehicle MVD and Winter Tires.
      
      If a multi-vehicle discount is required when quoting a single vehicle, check the Single Vehicle MVD checkbox.
      
      Note: If you selected the Disable option for Multi-Vehicle on the Quote Information window, the Single Vehicle MVD checkbox is disabled. To select this checkbox, create a new auto quote and select the Enable option.

• Private Passenger (All other provinces)

  1. Enter the vehicle Year, Make, Model, VICC Code, VIN, Body Style, Fuel Type, and Cylinders.

  A vehicle can be entered in any of the following methods:

  • Entering the Year and the VICC Code
  • Selecting the Year/Make/Model
  • Entering the Vehicle Identification Number (VIN)

  Note: Entering a vehicle VIN can yield a vehicle search with multiple results when more than one vehicle share the same VIN. For more information, see the Multiple Vehicles with VIN article.

  The Year, Make, Model, and VICC Code fields are required to be entered in order to process the quote.

  2. Click the Additional button to enter the Condition, Purchase Date and the kilometers travelled at Purchase of the vehicle.
  3. Click the VRGs button to view/modify the Vehicle Rate Group Detail of the selected vehicle.
  4. Click the Coverages button to select the Liability limit, Optional Increased Accident Benefits (Ontario only), Loss or Damage coverage and limits, and Endorsements.

  A coverage default can be set based on your User ID under File > Save As Default, and/or a coverage default can be set as a coverage group under Coverage Groups > Save As.
  
  Note: If the auto quote is for Ontario, the Optional Increased Accident Benefits must be reviewed by clicking the AB-Buy-Ups button. If you do not review the Optional Increased Accident Benefits, a message stating that the Accident Benefits have not been reviewed will display when you attempt to process the quote on the Validation screen.

  Select OK to apply your selections to the quote.

  5. Check the Leased checkbox if applicable (for Ontario only).
  6. Enter the Postal Code and City for the location in which the vehicle will be primarily garaged and select where the vehicle is Parking at Night.
     
     Note: A Postal Code can generate one or more cities, depending on the specified territory. For example, if N8P is entered in the Postal Code for an Ontario auto quote, the City dropdown displays the options of Tecumseh and Windsor. Use the dropdown in the City list to select the appropriate city name for the location. By changing the Postal Code, the garaged location for the vehicle can be changed.
  7. Click the Territories button to view/modify the Territory Detail of the selected location.
  8. Click the View Map button to review the garaging location using Google Street View or Google Satellite View. You can perform the garaging location review up to five times per quote, or until your total monthly amount of garaging lookups have been reached (a Monthly lookups remaining counter displays on the Garaging Location window).
     
     After reviewing a garaging location, select the Accept button to save the garaging location and return to the underwriting screen. The View Map button displays a green circle with a checkmark to indicate the address has been reviewed. This indication displays for all vehicles on the quote with a matching Postal Code and City.
  9. Select the Primary Use of the vehicle with the Days Out of Province (Québec only) and the Distance Driven of 1-Way, Annually, and Business / Year.
     
     The Annually field is required to be entered in order to process the quote.
     
     Note: Various driving classes can be generated by selecting Pleasure as the primary use and entering information in the Distance Driven section. Only Class 07 can be generated if Business is selected as the primary use.
  10. Enter the Device Type, Manufacturer, and Engraving if the vehicle has an Anti-Theft system.
  11. Enter the List Price New and Purchase Price of the vehicle.
  12. Select applicable Miscellaneous options, Single Vehicle MVD, ABS (Québec only) and Winter Tires (for select provinces).
      
      If a multi-vehicle discount is required when quoting a single vehicle, check the Single Vehicle MVD checkbox.
      
      Note: If you selected the Disable option for Multi-Vehicle on the Quote Information window, the Single Vehicle MVD checkbox is disabled. If you need to select this checkbox, create a new auto quote and select the Enable option.

  13. For Québec only, click the Substandard Rating button to select carriers that will classify the vehicle as substandard.
      
      Note: On the Substandard Rating screen, there is a checkbox to apply the carrier selection(s) to all vehicles on the quote if applicable.

• Misc. Vehicles - ATV

  1. Enter the Year, Make, Model, VICC Code, VIN, Body Style / Class, Engine, Cylinders, Engine Strokes /Cycle, and GVW, and select Turbo, Modified / Customized, Leased, and Single Vehicle MVD where applicable for the ATV.
     
     Note: Entering a vehicle VIN can yield a vehicle search with multiple results when more than one vehicle share the same VIN. For more information, see the Multiple Vehicles with VIN article.
     
     The Year, Make, Model, Code, Engine (cc), Engine Strokes / Cycles and GVW fields are required to be entered in order to process the quote.
     
     Note:  Click the wand button  to display further information based on the vehicle code, such as Body Style/Class, Engine (cc), and List Price New.
  2. Click the VRGs button to view/modify the Vehicle Rate Group Detail of the selected vehicle.
  3. Click the Coverages button to select the Liability, Optional Increased Accident Benefits (Ontario Only), Loss or Damage, and Endorsements.
     
     Note: If the auto quote is for Ontario, the Optional Increased Accident Benefits must be reviewed by clicking the AB-Buy-Ups button. If you do not review the Optional Increased Accident Benefits, a message stating that the Accident Benefits have not been reviewed will display when you attempt to process the quote on the Validation screen.
  4. Enter the Postal Code and City for the location in which the vehicle will be primarily garaged.
     
     Note: A Postal Code can generate one or more cities, depending on the specified territory. For example, if N8P is entered in the Postal Code for an Ontario auto quote, the City dropdown displays the options of Tecumseh and Windsor. Use the dropdown in the City list to select the appropriate city name for the location. By changing the Postal Code, the garaged location for the vehicle can be changed.
  5. Click the Territories button to view/modify the Territory Detail of the selected location.
  6. Click the View Map button to review the garaging location using Google Street View or Google Satellite View. You can perform the garaging location review up to five times per quote, or until your total monthly amount of garaging lookups have been reached (a Monthly lookups remaining counter displays on the Garaging Location window).
     
     After reviewing a garaging location, select the Accept button to save the garaging location and return to the underwriting screen. The View Map button displays a green circle with a checkmark to indicate the address has been reviewed. This indication displays for all vehicles on the quote with a matching Postal Code and City.
  7. Select the Primary Use of the vehicle and the Distance Driven Annually.
     
     The Annually field is required to be entered in order to process the quote.
  8. Enter the List Price New, Purchase Price, Purchase Date, Purchase Condition, km at Purchase and Value of Accessories for the ATV.
     
     The List Price New and Purchase Price fields are required to be entered in order to process the quote.
  9. Enter the Device Type, Manufacturer, and Engraving if the vehicle has an Anti-Theft system.

• Misc. Vehicles - Camper or Trailer

  1. Enter the Year, Type, Make, Model, VIN / Serial Number, Towing Vehicle, and Towing Vehicle Type.
     
     Note: Entering a vehicle VIN can yield a vehicle search with multiple results when more than one vehicle share the same VIN. For more information, see the Multiple Vehicles with VIN article.
     
     The Year and Towing Vehicle Type fields are required to be entered in order to process the quote.
  2. Click the Coverages button to select the Liability (Québec only), Loss or Damage, and Endorsements. Select OK to apply your selections to the quote.
  3. Enter the List Price New and Purchase Price for the value of the Camper or Trailer.
     
     The List Price New field is required to be entered in order to process the quote.
  4. For Québec only enter the Resale Price, Purchase Date, and Purchase Condition for the value of the Camper or Trailer.
  5. Enter the GVW and check the Modified /Customized and/or Leased checkboxes, if applicable.
  6. Enter the Postal Code and City for the location of where the vehicle is garaged.
     
     Note: A Postal Code can generate one or more cities, depending on the specified territory. For example, if N8P is entered in the Postal Code for an Ontario auto quote, the City dropdown displays the options of Tecumseh and Windsor. Use the dropdown in the City list to select the appropriate city name for the location. By changing the Postal Code, the garaged location for the vehicle can be changed. Enter the days out of the province (Québec only).
  7. Click the Territories button to view/modify the Territory Detail of the selected location.
  8. Click the View Map button to review the garaging location using Google Street View or Google Satellite View. You can perform the garaging location review up to five times per quote, or until your total monthly amount of garaging lookups have been reached (a Monthly lookups remaining counter displays on the Garaging Location window).
     
     After reviewing a garaging location, select the Accept button to save the garaging location and return to the underwriting screen. The View Map button displays a green circle with a checkmark to indicate the address has been reviewed. This indication displays for all vehicles on the quote with a matching Postal Code and City.
  9. Enter the Distance Driven Annually.
     
     The Annually field is required to be entered in order to process the quote.

• Misc. Vehicles - Motorcycle

  1. Enter the Year, Make, Model, VICC Code, VIN, Body Style / Class, Engine, Cylinders, and select Turbo, Modified / Customized, Leased, and Single Vehicle MVD if applicable for the motorcycle.
     
     Note: Entering a vehicle VIN can yield a vehicle search with multiple results when more than one vehicle share the same VIN. For more information, see the Multiple Vehicles with VIN article.
     
     The Year, Make, Model, Code, Engine (cc) fields are required to be entered in order to process the quote.
     
     Note: Click the wand button  to display further information such as Body Style/Class, Engine (cc), and List Price New.
  2. Click the VRGs button to view/modify the Vehicle Rate Group Detail of the selected vehicle.
  3. Click the Coverages button to select the Liability (where applicable), Optional Increased Accident Benefits (Ontario Only), Loss or Damage, and Endorsements. Select OK to apply your selections to the quote.
     
     Note: If the auto quote is for Ontario, the Optional Increased Accident Benefits must be reviewed by clicking the AB-Buy-Ups button. If you do not review the Optional Increased Accident Benefits, a message stating that the Accident Benefits have not been reviewed will display when you attempt to process the quote on the Validation screen.
  4. Enter the Postal Code and City for the location in which the vehicle will be primarily garaged.
     
     Note: A Postal Code can generate one or more cities, depending on the specified territory. For example, if N8P is entered in the Postal Code for an Ontario auto quote, the City dropdown displays the options of Tecumseh and Windsor. Use the dropdown in the City list to select the appropriate city name for the location. By changing the Postal Code, the garaged location for the vehicle can be changed.
  5. Click the Territories button to view/modify the Territory Detail of the selected location.
  6. Click the View Map button to review the garaging location using Google Street View or Google Satellite View. You can perform the garaging location review up to five times per quote, or until your total monthly amount of garaging lookups have been reached (a Monthly lookups remaining counter displays on the Garaging Location window).
     
     After reviewing a garaging location, select the Accept button to save the garaging location and return to the underwriting screen. The View Map button displays a green circle with a checkmark to indicate the address has been reviewed. This indication displays for all vehicles on the quote with a matching Postal Code and City.
  7. Select the Primary Use of the vehicle, Days Out of Province (Québec only), and the Distance Driven (where applicable) for 1-Way, Annually, Business / Year.
     
     The Annually field where applicable is required to be entered in order to process the quote.
  8. Enter the List Price New, Purchase Price, Purchase Date, Purchase Condition, km at Purchase, Value of Accessories, and Value of Sidecar.
     
     The List Price New and Purchase Price fields are required to be entered in order to process the quote.
  9. Enter the Device Type, Manufacturer, and Engraving if the vehicle has an Anti-Theft system.

• Misc. Vehicle - Motorhome

  1. Enter the Year, Make, Model, VICC Code, VIN, Body Style / Class, Cylinders, and select Leased, Modified / Customized, Unrepaired Damage, and Single Vehicle MVD if applicable for the motorhome.
     
     Note: Entering a vehicle VIN can yield a vehicle search with multiple results when more than one vehicle share the same VIN. For more information, see the Multiple Vehicles with VIN article.
     
     The Year and Body Style / Class fields are required to be entered in order to process the quote.
  2. Click the Coverages button to select the Liability, Loss or Damage, and Endorsements.
  3. Enter the Postal Code and City for the location in which the vehicle will be primarily garaged.
     
     Note: A Postal Code can generate one or more cities, depending on the specified territory. For example, if N8P is entered in the Postal Code for an Ontario auto quote, the City dropdown displays the options of Tecumseh and Windsor. Use the dropdown in the City list to select the appropriate city name for the location. By changing the Postal Code, the garaged location for the vehicle can be changed.
  4. Click the Territories button to view/modify the Territory Detail of the selected location.
  5. Click the View Map button to review the garaging location using Google Street View or Google Satellite View. You can perform the garaging location review up to five times per quote, or until your total monthly amount of garaging lookups have been reached (a Monthly lookups remaining counter displays on the Garaging Location window).
     
     After reviewing a garaging location, select the Accept button to save the garaging location and return to the underwriting screen. The View Map button displays a green circle with a checkmark to indicate the address has been reviewed. This indication displays for all vehicles on the quote with a matching Postal Code and City.
  6. Select the Primary Use of the vehicle with the Days Out of Province (Québec only) and the Distance Driven of 1-Way, and Annually.
     
     The Annually field is required to be entered in order to process the quote.
  7. Enter the List Price New, Resale Price, Purchase Price, Purchase Date, Purchase Condition, km at Purchase, and Value of Accessories.
     
     The List Price New and Resale fields are required to be entered in order to process the quote.
  8. Enter the GVW in kg and the Length in ft. of the motorhome.
  9. Enter the Device Type, Manufacturer, and Engraving if the vehicle has an Anti-Theft system.

• Misc. Vehicle - Snow Vehicle

  1. Enter the Year, Make, Model, VICC Code, VIN, Body Style / Class, Engine, Cylinders, Engine Strokes /Cycle, and GVW and select Turbo, Modified / Customized, Leased and Single Vehicle MVD if applicable.
     
     Note: Entering a vehicle VIN can yield a vehicle search with multiple results when more than one vehicle share the same VIN. For more information, see the Multiple Vehicles with VIN article.
     
     The Year, Make, Model, Code, Engine (cc), Engine Strokes / Cycles and GVW fields are required to be entered in order to process the quote.
     
     Note: Click the wand button  to display further information based on the vehicle code such as Body Style/Class, Engine (cc), and List Price New.
  2. Click the VRGs button to view/modify the Vehicle Rate Group Detail of the selected vehicle.
  3. Click the Coverages button to select the Liability, Optional Increased Accident Benefits (Ontario Only), Loss or Damage, and Endorsements. Select OK to apply your selections to the quote.
     
     Note: If the auto quote is for Ontario, the Optional Increased Accident Benefits must be reviewed by clicking the AB-Buy-Ups button. If you do not review the Optional Increased Accident Benefits, a message stating that the Accident Benefits have not been reviewed will display when you attempt to process the quote on the Validation screen.
  4. Enter the Postal Code and City for the location in which the vehicle will be primarily garaged.
     
     Note: A Postal Code can generate one or more cities, depending on the specified territory. For example, if N8P is entered in the Postal Code for an Ontario auto quote, the City dropdown displays the options of Tecumseh and Windsor. Use the dropdown in the City list to select the appropriate city name for the location. By changing the Postal Code, the garaged location for the vehicle can be changed.
  5. Click the Territories button to view/modify the Territory Detail of the selected location.
  6. Click the View Map button to review the garaging location using Google Street View or Google Satellite View. You can perform the garaging location review up to five times per quote, or until your total monthly amount of garaging lookups have been reached (a Monthly lookups remaining counter displays on the Garaging Location window).
     
     After reviewing a garaging location, select the Accept button to save the garaging location and return to the underwriting screen. The View Map button displays a green circle with a checkmark to indicate the address has been reviewed. This indication displays for all vehicles on the quote with a matching Postal Code and City.
  7. Enter the Distance Driven Annually.
     
     The Annually field is required to be entered in order to process the quote.
  8. Enter the List Price New, Purchase Price, Purchase Date, Purchase Condition, km at Purchase, Value of Accessories, and Value of Cutters / Sleds.
     
     The List Price New and Purchase Price fields are required to be entered in order to process the quote.
  9. Enter the Device Type, Manufacturer, and Engraving if the vehicle has an Anti-Theft system.

• Commercial Vehicles - Commercial Vehicle

  1. Enter the Year, Make, Model, VICC Code, VIN, Cylinders, and select Modified / Customized, Leased, and Single Vehicle MVD if applicable for the commercial vehicle.
     
     Note: Entering a vehicle VIN can yield a vehicle search with multiple results when more than one vehicle share the same VIN. For more information, see the Multiple Vehicles with VIN article.
     
     The Year, Make, Model and Code fields are required to be entered in order to process the quote.
  2. Click the VRGs button to view/modify the Vehicle Rate Group Detail of the selected Vehicle.
  3. Click the Coverages button to select the Liability limits, Optional Increased Accident Benefits (Ontario Only), Loss or Damage, and Endorsements. Select OK to apply your selections to the quote.
     
     Note: If the auto quote is for Ontario, the Optional Increased Accident Benefits must be reviewed by clicking the AB-Buy-Ups button. If you do not review the Optional Increased Accident Benefits, a message stating that the Accident Benefits have not been reviewed will display when you attempt to process the quote on the Validation screen.
  4. Enter the Postal Code and City for the location in which the vehicle will be primarily garaged.
     
     Note: A Postal Code can generate one or more cities, depending on the specified territory. For example, if N8P is entered in the Postal Code for an Ontario auto quote, the City dropdown displays the options of Tecumseh and Windsor. Use the dropdown in the City list to select the appropriate city name for the location. By changing the Postal Code, the garaged location for the vehicle can be changed.
  5. Click the Territories button to view/modify the Territory Detail of the selected location.
  6. Click the View Map button to review the garaging location using Google Street View or Google Satellite View. You can perform the garaging location review up to five times per quote, or until your total monthly amount of garaging lookups have been reached (a Monthly lookups remaining counter displays on the Garaging Location window).
     
     After reviewing a garaging location, select the Accept button to save the garaging location and return to the underwriting screen. The View Map button displays a green circle with a checkmark to indicate the address has been reviewed. This indication displays for all vehicles on the quote with a matching Postal Code and City.
  7. Enter the Driving Experience Date and the Owned or Leased Since Date.
  8. Select the Category, and Use and enter Pleasure Use and Business Use percentage for the commercial vehicle.
     
     The Use field is required to be entered in order to process the quote.
     
     Note: Entering a Category in the Category field filters the options that display in the Use list based on what is selected in the Category field. For example, if Service is selected in the Category field then only Use options for Service displays in the Use list.
  9. Enter the Distance Driven for 1-Way (where applicable), Annually, Normal Radius, Maximum Radius, Days per Month Beyond 80 km, Days per Month Beyond 160 km, Trips per Month Beyond Normal Radius, and Days Out of Province for the commercial vehicle.
     
     The Annually, Normal Radius, and Maximum Radius fields are required to be entered in order to process the quote.
  10. Select the Delivery Type and the Delivery Frequency.
      
      The Delivery Type field is required to be entered in order to process the quote.
  11. Enter the Annual Use, km from Border and Consecutive Days for U.S. Exposure.
  12. Enter the GVW, Fuel Type, Value of Attached Machinery, and select the following options, if applicable: Snow Plough Blade Attached, Hauling Goods for Others, Fuel Truck for Contractors and Farmers, Unrepaired Damage, Refrigerated / Heated, and Winter Tires (where applicable).
      
      The GVW field is required to be entered in order to process the quote.
  13. Enter the List Price New, Purchase Price, Purchase Date, Purchase Condition, and km at Purchase for the value of the vehicle.
  14. Enter the Device Type, Manufacturer and Engraving if the vehicle has an Anti-Theft system.

• Commercial Vehicles - Commercial Trailer

  1. Enter the Year, Trailer Type, Make, Model, and VIN / Serial Number for the commercial trailer.
     
     Note: Entering a vehicle VIN can yield a vehicle search with multiple results when more than one vehicle share the same VIN. For more information, see the Multiple Vehicles with VIN article.
     
     The Year and Trailer Type fields are required to be entered in order to process the quote.
  2. Select the Use of the trailer, and enter the GVW, List Price New, and Value of Attached Machinery.
     
     The Use, GVW, and List Price New fields are required to be entered in order to process the quote.
  3. Check if the trailer is Owned and if is an Excess Trailer, and select the Towing Vehicle.
     
     The Towing Vehicle field is required to be entered in order to process the quote.
  4. Click the Coverages button to select the Liability (where applicable), Loss or Damage, and Endorsements.

To add an additional vehicle to the quote, click the Add button and select a vehicle type from the dropdown menu.

To delete a vehicle from the quote, select the vehicle in the Vehicles list, click the Delete button , and click Yes on the pop-up message to delete it.

To remove a vehicle from being included in the quote, select the Exclude checkbox that corresponds with the vehicle in the Vehicles list.

8. Click the Drivers tab to define the drivers on the quote. By default, the name of the applicant on the client displays in the Drivers list.
   
   To enter information and details on the driver, do the following:

1. Enter the Salutation, First, Middle, Last, and Suffix for the driver’s name.

2. Select the driver's Relationship to Applicant, if the Applicant lives with Parents, Marital Status, Gender, Province and enter in the driver’s Licence Number.
   
   If you select X/Unspecified as the driver’s Gender and a carrier does not support rates for Gender X, the system defaults those carrier rates to Female.
   
   The Marital Status and Gender fields are required to be entered in order to process the quote.
3. Click the Claims button to manage claims on this driver.
   
   Click the Add button  to add a new claim to this driver. Enter the Claim date, a Description, the vehicle involved, if the driver was At-Fault or Non-Responsible, Responsibility % (where applicable) and the TP/BI, TP/PD, AB, Coll, and Other PD amounts.
   
   To delete a claim, select a claim from the list and click the Delete button  to remove the claim for this driver.
4. Click the Convictions button to manage convictions on this driver.
   
   Click the Add button  to add a new conviction to this driver. Enter the conviction date, a description and the number of km/h over the limit.
   
   To delete a conviction, select a conviction from the list and click the Delete button .
5. Click the Suspensions button to manage suspensions for this driver.
   
   Click the Add button  to add a new licence suspension to this driver. Enter the Licence Suspension Date, the duration of the suspension (in months), the date the licence was re-instated and selecting a description reason for the suspension.
   
   Note: If a driver has had a suspended licence, remember to enter all convictions and lapses associated with the suspension.
   
   To delete a suspension, select a suspension from the list and click the delete button.
   
   Note: If you enter the Licence Suspension Date and Duration (in months) the system will calculate the Re-Instated date automatically. If Licence Suspension Date and Re-Instated date are entered, the Duration will be automatically calculated.
6. Click the Insurance Lapse button to manage lapses for this driver.
   
   Click the Add button  to add a new insurance lapse to this driver. Enter the insurance lapse Date, Duration of the lapse (in months), Re-Instated date of the insurance and select a description reason for the lapse.
   
   Note: If a driver has had an insurance lapse, remember to enter all convictions and licence suspensions associated with the lapse.
   
   To delete a lapse, select a lapse and click the Delete button .
   
   Note: If you enter the lapse Date and Duration (in months), the system will calculate the Re-Instated date automatically. If lapse Date and Re-Instated date are entered, the Duration will be calculated.
7. Click the Fraud / Misrep. button to manage fraud / misrepresentations for this driver.
   
   Click the Add button to add a new fraud / misrep to this driver. Enter the Date and Description for the fraud / misrepresentation.
   
   To delete a fraud / misrepresentation, select a fraud / misrepresentation and click the Delete button .
8. Enter the Date of Birth / Age of the driver along with Licence Date / Years for the Licensing information.
   
   The Date of Birth / Age, and Licence Date / Year fields are required to be entered in order to process the quote.
9. Click the Licence Details button to enter the Graduated and Other Licensing information along with any driver training completed by the driver.
10. Click the Misc. Vehicle Details button (where applicable) to enter Motorcycle Insured Information, ATV Insured Information, Snow Vehicle Insured Information, Other Insured Information and Miscellaneous Vehicles Group Plans.
11. Enter the Insurance Details information for the Continuous insured Date / Years, Company Insured Date, Current Carrier, Brokerage Insured Date and Owner /Principal date if applicable.
    
    Note: Filling out the Company Insured and Brokerage Insured fields may generate additional discounts with some carriers.
12. Enter the Grid Level Relevant Date and Grid Level (Alberta only).
13. Click the Renewal button to select carriers to quote as renewal policies.
14. Select the Occupation for the driver and enter the Date hired. If the driver is Full Time (where applicable) or Retired check the applicable checkboxes. If the driver is a student away at school enter the distance from home to the school in the Kms field.
    
    Note: Occupations that may affect the premiums are Retired, Farmer, Clergy, and Student (away at school).
15. If applicable, click the Student Information button to enter Student Level / Status, and enter the distance between the school and where the vehicle is kept. Check the Post Secondary Degree checkbox if applicable.
16. Select the Member Plan Description, enter the Members Number, and select the Members Date if the driver has group plans or memberships. All carrier group tiers defined in the group plan you selected are applied to the appropriate carriers on the quote and are quoted simultaneously.

To add an additional driver to the quote, click the Add button .The Co-Applicant’s name defaults for the driver if a Co-Applicant exists on the client.

To delete a driver from the quote, select a driver in the Drivers list, click the Delete button and click Yes on the pop-up message to delete it.  

9. Click the Assignment tab to see a quote and driver assignment overview with the information entered for this quote. The Quote Assignment section displays the vehicle, the garage location, the coverage, as well as the drivers assigned to each vehicle (the same information can also be accessed from any tab on the underwriting screen by clicking Quote > Quote Profile).
   
   The Driver Assignment section displays the list of available vehicles, available Drivers, and Occasional Drivers along with the name of the Principal Driver. Driver(s) listed in the Available Drivers list must be assigned as Principal, Occasional or Exclude driver to at least one vehicle.
   
   You have the following options to complete your driver assignments:  

• Add Principal: Add the driver from the Available Driver list to the Principal Driver field.

• Add Occasional: Add the driver from the Available Driver list to the Occasional Drivers list.

• Exclude: Add the driver from the Available Driver list to the Occasional Drivers list. Exc displays next to driver names in the Quote Assignment list that have been excluded; however, those driver names will still display in the Occasional Drivers list.

• Remove Driver: Remove the selected driver from the Principal Driver field or from the Occasional Driver list. The driver is placed back into the Available Drivers list.

• Telematics Program: To complete the details of the program enrollment and the program application for supported carriers, Email Address is the only required field.

10. Click Quote on the options bar or Quote > Process Quote on the menubar to proceed with the quote.
    
    If there is information that is required to proceed with the quote that is missing, the Validation tab displays with the information that needs to be filled out. Missing information that may affect the rating if left blank displays on the Validation tab.

    Each item in the list displays one of the following icons beside it:

    •  - This item will not stop the processing your quote, but missing information may affect rating.
    •  - Information required to proceed with quote.
    •  - All required information is entered to proceed with your quote.

    To correct the incomplete or invalid information, right click or double click on the item in the list.

11. The Premium Summary screen displays with the Summary section showing all company quotes.
    
    The following information displays in the columns on the Premium Summary screen:

• The  column displays icons that link to a PDF file. For example, this may be used to promote a feature or discount.
• The  column displays icons that link to a URL, such as a website for promotion details.
• The  column displays icons that represent the type of quote risk with that carrier.
• The Company column displays the company’s name.
• The 12 Months column displays the total premium amount

12. Click on the company name on the Premium Summary screen or in the list of companies that displays on the left side of the screen to see the quote details for that company.
    
    The Carrier Detail screen for the selected company displays the details of the quote.
    
    Note: If there are Policy and/or Risk related messages that pertain to this quote for the selected company, a Message section displays below the Rates section. It is important to review them since they contain important information regarding the quote. For example, a risk may not qualify even though a quote was generated with the company; the messages displayed here will tell you whether or not they qualify.

Completed quotes can be modified in the following ways:

• Modify Limits & Deductibles

  1. In the Breakdown section of the Carrier detail screen, click the limit or deductible dropdown and select the desired new limit or deductible from the dropdown menu.
     
     Note: The Please Recalculate icon  will display next to items that are affected by the change.
  • Click the Recalculate button to reprocess the quote.
    
    Note: Hover over the Recalculate button to display what underwriting information was changed.
  • Click the Undo Recent button at the top of the screen to revert any changes since the last recalculation
    
    Note: Hover over the Undo Recent button to show what underwriting information was changed since the last recalculation
  • Click the Revert button to return to the original underwriting information.
    
    Note: Hover over the dropdown(s) where the information was changed to display the original amount and the recalculated amount.

• Add Optional Coverages

  1. In the Breakdown section hover over the Add New Coverage line item to display the add icon; click the Add New Coverage wording to display a dropdown with a list of available coverages that can be added for the line of business.
  2. Select the coverage from the list to be added to the quote.
  3. Select the Limit or Deductible for the coverage you added to the quote.
  4. Click the Recalculate button to re-process the quote.
     
     Note: Hover over the Recalculate button to display what underwriting information was changed.
  • Click the Undo Recent button at the top of the screen to revert any changes since the last recalculation
    
    Note: Hover over the Undo Recent button to show what underwriting information was changed since the last recalculation
  • Click the Revert button to return to the original underwriting information.
    
    Note: Hover over the dropdown(s) where the information was changed to display the original amount and the recalculated amount.

• Remove Optional Coverages

  1. In the Breakdown section hover over the coverage to display the Remove button . Click the icon to remove the coverage from the quote.
  2. Click the Recalculate button to reprocess the quote.
     
     Note: Hover over the Recalculate button to display what underwriting information was changed.
  • Click the Undo Recent button at the top of the screen to revert any changes since the last recalculation
    
    Note: Hover over the Undo Recent button to show what underwriting information was changed since the last recalculation
  • Click the Revert button to return to the original underwriting information.
    
    Note: Hover over the dropdown(s) where the information was changed to display the original amount and the recalculated amount.

13. You have the option to complete the CSIO application with Applied Rating Services by doing the following:

1. Click the Auto App button on the options bar to launch the Supplementary Data screen.

2. On the CSIO tab, click on each section of the CSIO application to fill out the necessary information.
   
   On the Modify Quote tab, click on a vehicle listed in the treeview list to display its quoted details. Modify the vehicles quoted details as necessary.
   
   For more detailed information and workflows, see the CSIO Application article.

3. Click Print when you are ready to print the completed CSIO application.
   
   Click Save & Exit to save the changes you made on the CSIO and/or Modify Quote tabs.
   
   Click Cancel to close the screen—your change will be lost.

14. When finished with the quote do one of the following:
• Click Save on the options bar or File > Save on the menubar to save the quote, and then click File > Exit to exit the screen and leave the quote in Applied Rating Services.
• Click Integration > Company Integration to upload the quote to the selected insurance company
  
  Note: This option is only available to licensed and supported carriers.
• Click Integration > Save and Export to Broker Management System to send the quote information to your broker management system.
  
  Note: If your Broker Management system is either Applied TAM or Applied Epic, the option will display as Save and Export to Applied TAM or Save and Export to Applied Epic.