Credit Company Credit Bureau AR CO IL IN KS KY MO OH OK TN TX VA Alfa Specialty CN X X X Alfa Vision CN X X CornerStone CN   X X   Dairyland/Viking CN   X     Deerbrook CN X Encompass CN X GMAC CN X Grange CN X     Infinity Value Added CN X   X X   Infinity Premier CN   X X   Mendota CN   X X X         Mercury CP X X X Northbrook Indemnity CN X Omni CP X X X X X X X Permanent General Credit CP             X   Sagamore CP   X X X X X X Star Casualty   X The General CN   X   X       X   X   X Titan CN X Titan General CN X X X X X X X X X Traders CN X X X X Unitrin Alpha CN X Unitrin Plus CN   X X X Unitrin FIC CN X X Unitrin/Kemper CP X X X X X Viking CP   X   X     X   X X - Available in State         CN - Company Network        CP - ChoicePoint          TU - TransUnion A Credit company uses insurance scoring to help determine the rate changed to an individual for their policy. The request for credit is submitted electronically, a score is returned and that is used along with other factors in determining how much to charge. If a company is a credit company, they will allow you to obtain scores for them as long as you are an appointed agent and have completed any necessary paperwork they may require to obtain their approval to credit score. Credit companies do not allow scoring on every single quote. Preset rules for when ITC should obtain a score determine if a score is returned for a company. Each company sets their own scoring rules. Real-Time Company AR CO IL IN KS KY MO OH OK TN TX VA Affirmative X X X Agency Insurance X American Alliance X X ASI             X       X   AssuranceAmerica X   X Auto-Owners X X X CAIC         X   Consumers X X X X  X Conifer   X         Cornerstone National X X       X Foremost X X X X X X X X X X Endeavor                 X   Gainsco       X   X   GMAC   X     X   Grange X X X X X X Grinnell     X           X       Hallmark National   X   Imperial X X Infinity     X               X   KAI       X                 Mendota X           X       X X Mercury X National Security X   X Pacific Specialty (Home)   X Paragon X X Progressive Drive X X X X X X X X X X X X Rockford Mutual     X X     X           Safeco X X X X X X X X X X X X Star Casualty X   Travelers X X X X X X X X X X X X Unique X X X - Available in State Real-time rating is the term used when ITC sends data directly to a carrier to determine the rate. The carrier reads in the data, orders various reports, rates the policy and returns the premium to ITC. ITC plays no part in the rating process at all. ITC simply displays the premium as returned from the carrier. If that quote is chosen, you can then bridge to the real-time company’s site to finish the submittal process. In order to obtain a real-time rate from a carrier, you must be an appointed agent for that carrier. You must also have a valid producer code, and in some cases, a user id and password entered on the company properties screen.  In order to get as accurate a rate as possible, fill out as much information as you can in the quote. Pay special attention to company specific questions making sure to answer these. The company specific questions are used in determining the rate you get.