StudyPrice (VIN-Specific Insurance Risk Analysis)
Price Vehicle Risk With Confidence—VIN by VIN
Precision in vehicle risk pricing has never mattered more. After years of being underpriced, carriers are taking significant rate action just as 57% of auto insurance customers have actively shopped for a new policy in the past year, with price remaining the top driver. StudyPrice℠ delivers a VIN‑specific insurance risk analysis platform that enables carriers to price risk at the feature level—cutting through vehicle complexity with normalized, analytics‑ready data.
A VIN‑Level Pricing Framework Built for Today’s Risk Environment
• 2,100+ VIN‑specific attributes per vehicle, normalized and OEM‑agnostic
• Feature‑level visibility into safety systems, theft deterrents, and high‑repair‑cost components
• Standardized identification of advanced driver assistance systems (ADAS) across manufacturers
• Analytics‑ready vehicle build data structured for underwriting and pricing models
• Designed to support competitive pricing, accurate settlement, and transparency
Greater Pricing Accuracy in an Increasingly Complex Market
• More precise risk evaluation beyond year, make, and model
• Improved ability to align pricing with actual loss frequency and severity
• Stronger confidence underwriting increasingly complex and feature‑rich vehicles
• Better transparency for policyholders regarding vehicle‑based pricing decisions
Key Features
Feature‑Level Risk Analysis at Scale
• Analyze vehicle risk using up to 2,100 attributes per VIN
• Identify installed safety technologies, expensive repair features, and theft‑prevention systems
• Compare vehicle features directly against historical loss data
ADAS Transparency Across Manufacturers
• Standardized naming and identification of ADAS features across OEMs
• Detection of “invisible” safety technologies not surfaced by traditional VIN decoding
• Removal of ambiguity created by manufacturer‑specific branding conventions
Integration‑Ready and Regulatory Aware
• Available as a RESTful web service supporting real‑time VIN lookups and batch processing
• Coverage spanning 30+ years with continual OEM updates
• Normalized data structure aligned to evolving regulatory requirements, including transparency and consent standards
Who StudyPrice Is Built For
• Auto insurance carriers and pricing teams
• Underwriting, actuarial, and analytics leaders
• Organizations pricing increasingly complex, feature‑rich vehicles
