Momentum PL RATE is a comparative personal lines rater built directly into the Momentum ecosystem. Because PL RATE works with Momentum AMS, existing client information can flow into the quote application, helping reduce duplicate data entry while allowing your agency to quote home and auto coverage across your appointed carriers from one connected workflow.
What Is Momentum PL RATE?
Momentum PL RATE is designed to help independent insurance agencies quote personal lines without moving between a separate comparative rater and their agency management system.
Your agency can use PL RATE to quote:
- Personal Auto
- Homeowners
- Home + Auto Bundles
PL RATE uses your agency's own direct carrier appointments to obtain estimated premiums from available carriers.
How PL RATE Works with Momentum AMS
Momentum PL RATE is accessed through Momentum AMS.
Because the systems are connected, information already available in the AMS can flow into the quote application, reducing the need to re-enter client information when beginning a quote.
The general workflow is:
- Access Momentum RATE from Momentum AMS.
- Select the type of personal lines quote you want to create.
- Use available AMS information to begin the application.
- Complete the information required for the quote.
- Submit the application to your available appointed carriers.
- Review the returned estimated premiums.
- Bridge to the selected carrier to refine the quote and continue toward binding.
- Memorialize the quote back to the client record in Momentum AMS.
Personal Auto
PL RATE can be used to create a Personal Auto quote using available client, driver, vehicle, and household information.
The completed application can then be submitted to the applicable personal auto carriers available through your agency's appointments.
Homeowners
For a Homeowners quote, available property information can be used to help complete the application.
Depending on the available data, this may include information such as:
- Property details
- Replacement cost information
- Protection class information
The application can then be submitted to your available homeowners markets for comparison.
Home + Auto Bundles
PL RATE also supports quoting Home and Auto together.
This allows your agency to quote both lines as part of the same workflow and review the returned results for the bundled account.
Important: Select the appropriate line or combination of lines when beginning the quote. You cannot begin a Home-only quote and then add Auto to that same quote later in the workflow.
How Quickly Are Quotes Returned?
After the application is submitted, estimated premiums are typically returned in approximately 10–15 seconds.
Returned results are displayed with the lowest estimated premium first, making it easier to begin comparing the available options.
Important: Premiums returned by PL RATE are estimates. Use Bridge to Carrier to continue to the carrier and refine the submission into a bindable quote.
Direct Carrier Appointments
Personal Lines RATE uses your agency's direct carrier appointments.
Unlike Commercial Lines RATE, Personal Lines does not use MomentumWIN or wholesale market access.
Your agency must have the appropriate carrier appointment and configure the required carrier credentials before quoting that carrier through PL RATE.
Third-Party Data Prefill
PL RATE can use third-party data to help populate portions of the quote application.
Depending on the quote, available data can help populate property, driver, and vehicle information, reducing the amount of information that must be entered manually.
Third-party data prefill is a separate feature with an associated pass-through cost. We will cover how it works, when it is used, and the applicable charges in a separate article.
Who Can Use PL RATE?
Momentum AMS is required to use Momentum PL RATE.
PL RATE is designed for independent insurance agencies that:
- Write personal lines business.
- Have direct personal lines carrier appointments.
- Want comparative rating connected with their AMS.
- Want to reduce duplicate data entry.
- Need to support multiple producers or users.
- Write business across one or multiple states.
Best Practices
- Configure carrier credentials before quoting. Your direct appointments must be properly connected for submissions to work as expected.
- Start with the correct quote type. Choose Auto, Home, or the appropriate bundled option before beginning the application.
- Review prefilled information. Confirm information pulled from the AMS or third-party sources before submitting.
- Treat returned premiums as estimates. Bridge to the carrier to refine the quote before presenting final bindable terms.
- Keep client information current in Momentum AMS. Accurate AMS information helps reduce duplicate entry when beginning new quotes.
Summary
Momentum PL RATE brings personal lines comparative rating into the Momentum ecosystem, allowing agencies to quote Personal Auto, Homeowners, and Home + Auto bundles using their own direct carrier appointments.
Information from Momentum AMS can flow into the application, third-party data can help prefill additional details, and estimated premiums can be returned from available carriers in seconds. Once an option is selected, the agent can bridge to the carrier to refine the quote and continue toward binding.
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