Rate intelligence, rebuilt from the ground up.
TrueFactor delivers carrier rate data that's more accurate and more timely than incumbent solutions — powered by proprietary AI validation technology and continuous rate monitoring.
Built for actuarial precision
50-State Filing Coverage
Comprehensive monitoring across every state DOI portal. New rate filings are detected and indexed automatically — delivering insights faster than any manual process.
Proprietary AI Validation Engine
Our proprietary technology transforms raw filings into complete, testable rating models. Full premium calculation with every factor, territory, and discount — accuracy that legacy providers simply can't match.
Autonomous Accuracy Verification
Every rate is continuously validated through our autonomous verification system. Discrepancies are caught and corrected automatically. The result: accuracy that surpasses any manual process.
Days, Not Quarters
Rate changes detected within days of filing, not on a quarterly refresh cycle. Continuous rate monitoring keeps your competitive intelligence current as the market moves.
Bulk Data Available Instantly or on Schedule
Millions of rates across actuarially-designed test profiles spanning young drivers, seniors, violations, credit tiers, and territories. Get data delivered via API, CSV, or scheduled exports.
Accuracy You Can Verify
Every data point shows its accuracy score, validation date, and source filing. More accurate and more timely than any legacy provider.
Legacy Providers vs. TrueFactor
See how a modern approach compares to the quarterly update cycle you're used to.
| Feature | Legacy Provider | TrueFactor |
|---|---|---|
| Update frequency | Quarterly | Continuous |
| Validation method | Manual actuarial review | Proprietary AI validation |
| Time to new carrier | Weeks | Hours |
| Filing detection | Manual monitoring | Autonomous detection |
| Data format | Desktop software | Modern web app + API |
| Accuracy transparency | Trust us | Per-cell accuracy scores |
| Bulk data delivery | Monthly extracts | Instantly or on schedule |
Ready to see your competitive landscape?
Get real-time rate intelligence for your state and lines of business. No contracts, no long onboarding.