PL Rating review for insurance agencies: pricing, carriers and integrations
PL Rating takes one personal lines application and returns live rates from connected carriers and manufactured rates from the rest. An MGA can also sponsor you for carriers you aren't appointed with.
It fits independent agencies on Vertafore's systems. Vertafore quotes the price.
- Best for
- Personal lines agencies on Vertafore systems such as AMS360 or QQCatalyst
- Lines
- Auto, home, package, renters, condo, dwelling fire, motorcycle, flood and earthquake
- Price
- Quoted by sales
- Carriers
- 300+
- States
- 45 states and DC
- How it connects
- Carrier connections, manufactured rates and MGA sponsorship
- Agency system
- QQCatalyst and AgencyZoom built in. AMS360 and Sagitta by AL3 file, the standard agency download format
Our take
PL Rating suits a personal lines agency on AMS360, QQCatalyst or AgencyZoom that wants quotes to flow both ways. Binding inside the rater works with a few carriers, so ask for the current list.
Manufactured rates fill gaps but can shift on the carrier site, so confirm before you promise a price.
Pros
- Two-way links to AMS360, Sagitta, QQCatalyst and AgencyZoom
- Bind in the rater with some carriers
- Flood and earthquake next to home
- MGA sponsorship for carriers you lack
- Prefill from LexisNexis, TransUnion and CoreLogic
Cons
- Manufactured rates can differ from the carrier
- No refunds and no cutting licenses mid-term
- No free trial
- No mobile app for agents
Plans and pricing
Vertafore publishes no price for PL Rating and quotes it by license type, number of licenses and term. The cost guide lists the add-on fees raters do publish.
- How it's priced
- Quoted by sales
- What sets the price
- The license type, number of licenses and term on your order
- Setup
- Implementation takes days. An order not scheduled within six months expires with no refund
- Who to ask
- Vertafore sales at 800-444-4813
| Fee | Price | When it applies |
|---|---|---|
| Agency-paid MVRs | Billed by LexisNexis | When you order an MVR yourself |
| TransUnion incident prefill | Paid add-on | Violation history before an MVR, in 23 states |
| Consumer Rate Quotes | Paid add-on | Quoting on your website |
| Data copy after you leave | Professional services rates | If you ask for an export |
As of October 2026, from vertafore.com. KAIA members get 25% off bundles that include PL Rating.
Carriers, lines and states
- Carriers
- 300+
- Personal lines
- Auto, home, package, renters, condo, dwelling fire, motorcycle, flood and earthquake
- States
- 45 states and DC
- Carrier list
- Carrier lists by state
Vertafore cites 300+ carrier partners, as of October 2026. Its Texas page listed 63 carriers and California 78.
How carrier connections work
| Carriers | How it connects | What it means for you |
|---|---|---|
| Participating carriers | Direct connection to the carrier | Live carrier rates, and bind for some |
| Other carriers | Manufactured rate from filed rates | An estimate to confirm on the carrier site |
| MGA-sponsored carriers | The MGA's logins | You see rates, and the MGA submits |
- Appointment needed
- Yes, or an MGA that sponsors you
- Whose carrier logins
- Your agency's, or the MGA's for sponsored carriers
- Where logins are kept
- Vertafore Credential Manager, shared with AMS360
- Two-factor codes
- Federated carriers need no separate password
Manufactured rates can move. For carriers without a direct connection, PL Rating builds the rate from filings. Users report rates changing after they bridge to the carrier site.
Applicant questions and prefill
You answer one interview, and duplicate carrier questions are merged. Templates are unlimited.
| Data | Source | Cost | Plan |
|---|---|---|---|
| Drivers and vehicles | LexisNexis | From the address | |
| MVR | LexisNexis | Billed by LexisNexis | Not in Hawaii or Pennsylvania |
| Credit, CLUE or MVR | LexisNexis, run by the carrier | The carrier pays | |
| Violations | TransUnion | Paid add-on | 23 states |
| Home details and replacement cost | CoreLogic | Homeowners |
- Imports from
- AMS360, Sagitta, QQCatalyst, AgencyZoom, Momentum and Canopy Connect
Quote results, bridge and bind
| Result | What it means for you |
|---|---|
| Real-time quote | The carrier's own rate |
| Manufactured rate | Built from filed rates, to confirm |
| Bindable quote | A verified rate you can bind in PL Rating |
| Referral | The carrier's underwriter needs more |
| Decline | The carrier won't write it |
Results from your chosen carriers list together. Auto and home quoted together include multi-policy discounts.
- Bridge to carrier
- The carrier logo opens the quote on its site
- Bind in the rater
- Only with carriers in PL Rating's bind program. Acuity was first, in 2024
- Payment
- Through the carrier's payment page
Consumer quoting
- How it works
- Consumer Rate Quotes on your website or social pages
- What the consumer sees
- Quotes from several carriers
- Where the lead goes
- Into PL Rating. Unfinished requests are kept as leads
- Plan
- Paid add-on
Integrations
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| AMS360 | Agency system | AL3 file | Both ways | Policies out to rate, quotes back. Needs the desktop app |
| Sagitta | Agency system | AL3 file | Both ways | Auto, home and package policies and quotes |
| QQCatalyst | Agency system | Built in | Both ways | Remarkets policies and returns quotes as prospects |
| AgencyZoom | CRM | Built in | Both ways | Starts quotes from leads and saves them back |
| Momentum | Agency system | Hand-off | In | Sends applications. Rates don't return |
| Canopy Connect | Prefill | Hand-off | In | Policies, drivers and claims shared by the client |
| BackNine | Life quoting | Hand-off | Out | Fills a life quote from the applicant |
| Flood carriers | Carriers | Built in | In | Flood quotes next to home rates |
Vertafore also lists Applied Epic, Applied TAM, Nexsure and HawkSoft as integration partners. Ask how data moves before you count on them.
Getting started
Watch the demo
Vertafore offers a recorded demo. There's no trial.
Sign the order
Set licenses, term and add-ons.
Add carrier logins
Enter them in Credential Manager, or arrange MGA sponsorship.
Build templates
Set up quote templates for common risks.
Train
Book individual or group training from the login page.
Vertafore says setup takes days.
Mobile, users and security
Mobile
There's no app. Consumer Rate Quotes works on phones.
Users and security
- Vertafore single sign-on
- Credential permissions: read only, own or all
- One person per login
Support and connection problems
- Support channels
- Phone, chat, help center and training
- If a carrier connection fails
- Credential Manager for login problems, Vertafore support for the rest
Vertafore reports 99.99% availability over the past year across its products.
Contract terms
- Term
- Set in the order
- Renewal
- Renews automatically for the renewal term
- Notice
- 60 days to reduce licenses or leave
- Refunds
- None, including unused licenses
- Price changes
- Once a year after the first 12 months, with 60 days' notice
- Your data
- A copy on request within 30 days, at professional services rates
- Terms
- Vertafore standard terms
Terms dated August 2026. You can't cut licenses during a term.
What users say
What reviewers say most often, as of October 2026.
What users like
- Easy to learn
- Saves time
- Many carriers at once
- Fast results
What users dislike
- Rates change after bridging
- Some carriers missing
- Repeat questions and typing
- Login and setup work
PL Rating alternatives
- EZLynx Rating EngineQuote onlyPersonal lines rater with 330+ carriers and consumer quoting
- TurboRaterQuote onlyPersonal auto and home rater from Zywave
- QuoteRUSHQuote onlyHome and auto rater strong in Florida and coastal markets
- Epic Quotes Personal LinesQuote onlyBuilt into Applied Epic, no separate login
See every option in insurance quoting software.
Frequently asked questions
How much does PL Rating cost?
Vertafore quotes it by license type, count and term. Some add-ons and MVRs cost extra.
Does PL Rating use my own carrier logins?
Yes, stored in Credential Manager. MGA-sponsored carriers use the MGA's logins.
Can I bind in PL Rating?
With carriers in the bind program. Others bridge to the carrier site.
Does PL Rating work with AMS360?
Yes. Policies go to PL Rating and quotes come back through AL3 files.
Can clients quote on my website?
Yes, with the Consumer Rate Quotes add-on.
How we researched this review. We based this review on the terms and product pages published by PL Rating, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan PL Rating quit selling or a contract term that reads different now, let us know and send the link to the page where PL Rating has it. Somebody here pulls up that page and checks it before we change anything on ours.