Territory risk assessment for auto insurance

Most territory ratings stop at the ZIP code or census-block level. But not every road in that area carries the same risk. TomTom data helps risk models go deeper, with traffic volumes, speed limits, speed patterns, lane counts and road network details for every road segment. You can aggregate that traffic and map data up to the boundary you rate on. When two neighborhoods in the same ZIP code carry different levels of risk, your pricing will reflect it.

Territory risk does not stay still; static risk tables age fast. New highway exits, added lanes, rezoned commercial areas and changing speed limits can shift the risk profile of a territory long before the next annual rate filing. TomTom maps update as often as every 15 minutes with traffic and movement observations from hundreds of millions of connected devices. You can refresh territory scores weekly, monthly or quarterly, catch risk drift earlier and update your models before changes impact your claims.