Abstract: According to certain embodiments of the present invention, a method is provided to determine (at a server) an initial first insurance rate for Provider A and a first insurance rate for Provider B. Both the initial first insurance rate for Provider A and the first insurance rate for Provider B correspond to a first insurance type. The initial first insurance rate for Provider A is adjusted A according to a first adjustment rule to form an adjusted first insurance rate for Provider A. A lower of the adjusted first insurance rate for Provider A or the first insurance rate for Provider B is selected. The adjusted first insurance rate for Provider A may be greater than the initial first insurance rate for Provider A and less than the first insurance rate for Provider B. An application fee for the adjusted first insurance rate for Provider A may be greater than an application fee for the initial first insurance rate for Provider A.

Abstract: According to certain embodiments of the present invention, a method is provided to determine (at a server) an initial first insurance rate for Provider A and a first insurance rate for Provider B. Both the initial first insurance rate for Provider A and the first insurance rate for Provider B correspond to a first insurance type. The initial first insurance rate for Provider A is adjusted A according to a first adjustment rule to form an adjusted first insurance rate for Provider A. A lower of the adjusted first insurance rate for Provider A or the first insurance rate for Provider B is selected. The adjusted first insurance rate for Provider A may be greater than the initial first insurance rate for Provider A and less than the first insurance rate for Provider B. An application fee for the adjusted first insurance rate for Provider A may be greater than an application fee for the initial first insurance rate for Provider A.

Abstract: According to certain embodiments of the present invention, a method is provided for providing insurance including: permitting a customer to access a retail website; retrieving intelligently, from the customer through the website, a first limited set of information pertaining to the customer and a vehicle of the customer; determining, from the first limited set of information, a first insurance rate corresponding to a first insurance policy from a first insurer and a second insurance rate corresponding to a second insurance policy from a second insurer, wherein the first and second rates are determined without intermediately consulting the first and second insurers; evaluating which of the first and second rates is preferable to the customer to determine a preferred insurance policy; displaying information corresponding to the preferred insurance policy to the customer; and providing an option to the customer to purchase the preferred insurance policy.