Smarter Data. Better Insurance Decisions.
Turn complex data into clear insights
- Risk Assessment Complexity: Accurately evaluating risk for underwriting and pricing policies.
- Lien Perfection & Release Duties: Ensuring compliance with lien management and title release obligations.
- Title & Registration Research: Accessing accurate and timely vehicle ownership data for underwriting and claims.
- Marketing Effectiveness: Identifying and reaching the right consumers with personalized offers.
- Data Gaps: Limited visibility into what vehicles consumers own and whether they are insured.
- Comprehensive Vehicle Data: Access title and registration information to streamline underwriting and claims processes and identify hidden risks earlier in the process.
- Lien Management Support: Simplify lien perfection and release duties with accurate, real-time data.
- Risk Intelligence: Enhance risk assessment with insights into vehicle ownership and insurance status.
- Targeted Marketing: Understand what vehicles consumers have in their garage to deliver relevant offers and improve acquisition. Utilize extensive automotive data with advanced analytics to identify real intent to purchase signals.
- Open Recall: Identify affected vehicles quickly and incorporate recall status/VIN verification into underwriting, pricing, and customer engagement strategies.
- Title Research Made Easy: Reduce manual effort and errors with automated title research tools.
Experian Automotive partnered with a national auto insurer experiencing higher-than-expected loss ratios due to undisclosed vehicle damage and title issues. Traditional data sources were missing critical events, leaving underwriting teams with an incomplete picture of vehicle risk.
By integrating AutoCheck VHRs, our client gained access to deeper, more comprehensive data—including exclusive auction insights, title brands, and accident indicators not consistently available elsewhere. Our client experienced:
- Improved detection of high-risk vehicles during underwriting.
- Reduced exposure to vehicles with prior damage and title issues.
- Achieved measurable improvements in loss ratios within the first policy year.
Our client, a regional insurance agency, was struggling with inefficient marketing spend and low conversion rates from traditional marketing audience strategies. Their campaigns lacked precision, resulting in wasted impressions and missed opportunities with high-intent shoppers.
By leveraging Experian Automotive’s marketing audiences, our client gained access to highly predictive, automotive-based audience segments—such as consumers actively shopping for vehicles, nearing lease expiration, or likely to switch carriers. They experienced:
- Increased marketing conversion rates with more precise targeting.
- Reduced customer acquisition costs by minimizing wasted spend.
- Reached high-intent prospects earlier in their vehicle ownership journey.
Our client, a national insurer, lacked visibility into open recalls across its book of business. Without this insight, the carrier faced increased risk from vehicles with unresolved safety defects, contributing to avoidable claims and customer safety concerns.
Integration of our open recall/VIN verification solution enabled greater transparency into vehicle safety status across both new business and existing policies. Results include:
- Quickly identified and verified vehicles with open recalls across their portfolio.
- Reduced exposure to high-risk vehicles with unresolved safety issues.
- Enabled proactive outreach to policyholders, improving safety and retention.
Advantages of Collaborating with Experian Automotive
- Improved Underwriting Accuracy: Make informed decisions with reliable vehicle and ownership data.
- Operational Efficiency: Reduce administrative burden and speed up lien and title processes.
- Regulatory Compliance: Stay compliant with lien perfection and release requirements.
- Enhanced Customer Acquisition: Market smarter by targeting consumers based on real vehicle ownership insights.
- Data You Can Trust: Leverage Experian’s industry-leading data intelligence for confidence in every decision.