PL Rating is Vertafore's real-time personal lines comparative rater, letting independent agencies quote auto, home, and flood across 300+ carriers side by side and bind with participating carriers.
Key features: Real-time multi-carrier comparative quoting across 300+ carriers · Combined auto and home quoting without re-keying data · Bind and issue policies directly with participating carriers · Integrated flood quoting through partners such as NFS, Selective Flood, and Aon Edge · Consumer rate quoting
Pros: Largest personal lines comparative rater in the independent agency channel, with 12.5M+ transactions per month · Broad carrier connectivity across 300+ carriers · Bind-and-issue inside the rater reduces re-keying
Cons: Personal lines focus, not commercial lines · Pricing is not published · Value depends on which carriers you are appointed with in your state
Pricing: Quote-based. Vertafore does not publish PL Rating pricing; it depends on carriers and modules.
Best for: Independent agencies writing personal lines (auto, home, flood)
Editorial verdict
PL Rating is the dominant personal-lines comparative rater in the independent agency channel, connecting agencies to 300+ carriers and adding bind-and-issue and integrated flood quoting that reduce re-keying. It is personal-lines only, and its value depends on which carriers you are appointed with in your state; pricing is quote-based. Best for independent agencies writing personal auto, home, and flood that want broad carrier comparison.
