Underwriting and Rating

VINMASTER

Unlock granular vehicle details—even without the VIN—to find the latest ISO Vehicle Series Rating Symbol with only the year, make, and model with VINMASTER.

How do you capture the complexity of today’s vehicles?

Mispriced risk is a $29 billion annual problem for the auto insurance industry,¹ and with increasing complexity, emerging technologies, and new safety features, it’s harder than ever to refine pricing. Uncovering vehicle-specific risk data without a reliable source of Vehicle Identification Numbers (VINs) can be a struggle.

Refine personal auto underwriting

VINMASTER contains comprehensive data on personal vehicles, including Vehicle Series Rating Symbols, beginning with the model year 1981.

No VIN?

No problem. With VINMASTER, leverage granular vehicle information with just the year, make, and model or a few other key features.

More data

Multifaceted, vehicle-level data helps enhance risk pricing at point of sale and renewal and determines ISO Vehicle Series Rating Symbols.

A coverage upgrade

Already a Risk Analyzer® customer? VINMASTER delivers 400+ uniquely defined Personal Auto Symbols and corresponding rating relativities.

Features and capabilities

Granular details

Unlock vehicle-specific information that helps you determine premiums more accurately, even when you don’t have the full VIN.

Updated information

VINterpret, a VINMASTER product, delivers information on advanced driver assistance systems (ADAS) available in 2012 or newer private passenger vehicles.

Multi-indexed database

Use VIN, year/make/model, or other vehicle description information to pull granular data and determine the latest ISO Vehicle Series Rating Symbol.

Related resources

Stay in the know about important industry trends and innovative solutions.

Brochure

Refine Your Personal Auto Underwriting

VINMASTER can empower you to determine premiums more accurately for your book, even when you don’t have the vehicle identification number.

Download the brochure

Brochure

Go beyond a standard VIN decode

While it’s increasingly critical to identify the presence of advanced safety features on the vehicles you’re insuring, finding the necessary data hasn’t always been easy—until now.

Download the brochure

Article

ISO introduces solutions for insuring vehicles with driver assistance features

ISO has introduced new solutions to help auto insurers underwrite and price coverage for the growing number of cars with advanced driver assistance systems (ADAS).

Read the article

Article

VINMASTER–VINterpret Safety tracks high-tech driver aids

VINMASTER–VINterpret Safety, is now available to deliver information on advanced driver assistance systems (ADAS) available in 2012 and newer private passenger vehicles.

Read the article

White paper

The Challenge of Auto Insurance Premium Leakage

Personal auto insurers have at least a $29 billion annual problem: premium leakage—omitted or misstated underwriting information that leads to inaccurate rates.

Download the white paper