| rahman-nations |
Nations Insurance Company |
1,276.87 |
1,620.75 |
+343.88 +26.93% |
UNEXPLAINED |
nations-zip-mapITC's ZIP-to-frequency/severity mapping for this programme is not the mapping printed in class plan 25-474. nations-mileage-bandsThe portal does not rate an annual mileage below 15,501 for this programme: an entry at 10,000 or 12,000 miles prices the 15,501 band and says so in a warning (Risk was rated at 15501 miles), so the flat stretch from 5,000 to 15,000 is a FLOOR, not a missing table. 25-474 prints a separate factor for every 500-mile band and requires +40.7% across that stretch. |
| rahman-coast |
Bristol West |
2,493.55 |
2,547.10 |
+53.55 +2.15% |
UNEXPLAINED |
coast-liability-levelFor this risk ITC prices Bristol West's liability lines at a LEVEL class plan 26-486 does not print: BI x0.9194 and UMBI x0.9150 against the filed computation, the same numbers at two different BI limits, while its PD line follows a published symbol row to within 0.7%. The limit keys and the term are both the filing's, so the disagreement is a level and not a key. |
| rahman-aspire |
Aspire |
no total |
2,624.28 |
- |
NO_PORTAL_NUMBER |
the portal printed no total for this carrier, so there is nothing to reconcile |
| rahman-integon |
National General (Summit) |
1,211.56 |
1,172.08 |
-39.48 -3.26% |
UNEXPLAINED |
integon-club-dent-proITC's Integon (National General Summit) policy fee contains a $36.00 Club Dent Pro membership that class plan 26-1481's fee schedule does not price: the pane prints 52.80, our fee layer charges 16.80 policy fee + 1.76 CA fraud, and 52.80 - 16.80 = 36.00. |
| rahman-orion |
Orion Indemnity |
1,236.80 |
2,273.40 |
+1,036.60 +83.81% |
UNEXPLAINED |
orion-rate-levelITC prices Orion Indemnity at a rate level class plan 25-2424 does not print: with the portal's own fee removed, its premium is 72.5%-75.0% of the filed computation, and that gap does not move with the ZIP or with the BI limit. orion-per-coverage-splitOrion's difference is coverage-specific and not one rate level: at the entry its own pane prints (6-month term, 10,000 annual miles) the portal's Uninsured lines land near HALF our computation - UMBI x0.5800, UMPD x0.5321 - while its liability line lands ABOVE it, BI x1.4287 (or, on the reading that the printed 'Incl.' PD sits inside the BI figure, BI+PD x0.7608). No single multiplier reproduces the four lines in either reading, and the quote total reaches 72.46% of ours (72.56% with the portal's 0.88 fee) by cancellation: the liability line is 42.9% ABOVE our BI and the Uninsured pair 42.0% and 46.8% BELOW our UMBI and UMPD. The BI figure is an ENTRY READING and not a carrier constant: because it carries PD inside it, it reads x1.5007 when only the PD limit moves at an unchanged 30/60 BI and x1.2925 at 100/300, while the bundle (BI+PD against our BI+PD at the limit the carrier rated) stays at 0.7608 / 0.7617 / 0.7585 - a spread of 0.0032 across three entries, with PD at 48.0-48.1% of the printed BI solved twice from independent steps. The PD limit itself is the carrier's key, not the difference: on a 15,000 -> 25,000 step the printed BI moves by 25-2424's PD factor scaled by a PD share that is now 48.0-48.2% from three independent steps, and the Uninsured pair does not move at all. |
| rahman-bluefire |
Bluefire - Nations - NIC |
1,052.75 |
refused |
- |
REFUSED |
bluefire-limit-3060The portal priced BI 30/60 for Bluefire in October 2026; 23-581 files BI 15/30 and PD $10,000 only. |
| rahman-aegis |
Triton General - Diam |
1,134.62 |
2,246.48 |
+1,111.86 +97.99% |
UNEXPLAINED |
aegis-fraud-assessmentITC's Diam total includes a CA fraud assessment that 25-2112's filed Fee Schedule does not print: 0.88 on a six-month policy, 1.75 annual. The term pair measured on 2026-10-25 (Dhaka) shows the portal carries it at BOTH terms - the constant is 38.68, which is the printed 28.80 policy fee + 9.00 SR-22 filing fee + 0.88, where a pro-rated 0.88/1.75 split would give 37.81 - so on an annual quote the portal adds 0.88, not 1.75. |
| diam-aegis |
Triton General - Diam |
645.81 |
644.92 |
-0.89 -0.14% |
NEAR |
aegis-fraud-assessmentITC's Diam total includes a CA fraud assessment that 25-2112's filed Fee Schedule does not print: 0.88 on a six-month policy, 1.75 annual. The term pair measured on 2026-10-25 (Dhaka) shows the portal carries it at BOTH terms - the constant is 38.68, which is the printed 28.80 policy fee + 9.00 SR-22 filing fee + 0.88, where a pro-rated 0.88/1.75 split would give 37.81 - so on an annual quote the portal adds 0.88, not 1.75. |
| mukul-nations |
Nations Insurance Company |
1,256.87 |
889.75 |
-367.12 -29.21% |
UNEXPLAINED |
nations-zip-mapITC's ZIP-to-frequency/severity mapping for this programme is not the mapping printed in class plan 25-474. nations-mileage-bandsThe portal does not rate an annual mileage below 15,501 for this programme: an entry at 10,000 or 12,000 miles prices the 15,501 band and says so in a warning (Risk was rated at 15501 miles), so the flat stretch from 5,000 to 15,000 is a FLOOR, not a missing table. 25-474 prints a separate factor for every 500-mile band and requires +40.7% across that stretch. |
| mukul-nations-floor |
Nations Insurance Company (both sides at the portal's 15,501-mile floor) |
1,256.87 |
1,185.75 |
-71.12 -5.66% |
UNEXPLAINED |
nations-zip-mapITC's ZIP-to-frequency/severity mapping for this programme is not the mapping printed in class plan 25-474. |
| mukul-bluefire |
Bluefire - Nations - NIC |
1,032.75 |
refused |
- |
REFUSED |
bluefire-limit-3060The portal priced BI 30/60 for Bluefire in October 2026; 23-581 files BI 15/30 and PD $10,000 only. |
| mukul-coast-40525544 |
Bristol West (rated at a 6-month term) |
1,246.96 |
1,220.92 |
-26.04 -2.09% |
UNEXPLAINED |
coast-liability-levelFor this risk ITC prices Bristol West's liability lines at a LEVEL class plan 26-486 does not print: BI x0.9194 and UMBI x0.9150 against the filed computation, the same numbers at two different BI limits, while its PD line follows a published symbol row to within 0.7%. The limit keys and the term are both the filing's, so the disagreement is a level and not a key. coast-uninsured-pd-not-ratedThe portal does not rate Uninsured PD for Bristol West on this programme: on every Coast capture its pane prints no UMPD line and the warnings say 'Uninsured PD was not rated by the company.', and the carrier's grid row repeats that sentence inside its own message. MAT prices UMPD 3,500 from 26-486, so part of every Coast total difference is a coverage the portal simply does not sell. |
| mukul-integon-40525544 |
National General Summit |
1,223.56 |
834.10 |
-389.46 -31.83% |
UNEXPLAINED |
integon-club-dent-proITC's Integon (National General Summit) policy fee contains a $36.00 Club Dent Pro membership that class plan 26-1481's fee schedule does not price: the pane prints 52.80, our fee layer charges 16.80 policy fee + 1.76 CA fraud, and 52.80 - 16.80 = 36.00. |
| mukul-integon-40525596-pd25000 |
National General Summit |
1,238.56 |
844.24 |
-394.32 -31.84% |
UNEXPLAINED |
integon-club-dent-proITC's Integon (National General Summit) policy fee contains a $36.00 Club Dent Pro membership that class plan 26-1481's fee schedule does not price: the pane prints 52.80, our fee layer charges 16.80 policy fee + 1.76 CA fraud, and 52.80 - 16.80 = 36.00. |
| mukul-orion-40525596 |
Orion Indemnity Company (the carrier itself forces a 6-month term) |
605.88 |
835.00 |
+229.12 +37.82% |
UNEXPLAINED |
orion-rate-levelITC prices Orion Indemnity at a rate level class plan 25-2424 does not print: with the portal's own fee removed, its premium is 72.5%-75.0% of the filed computation, and that gap does not move with the ZIP or with the BI limit. orion-per-coverage-splitOrion's difference is coverage-specific and not one rate level: at the entry its own pane prints (6-month term, 10,000 annual miles) the portal's Uninsured lines land near HALF our computation - UMBI x0.5800, UMPD x0.5321 - while its liability line lands ABOVE it, BI x1.4287 (or, on the reading that the printed 'Incl.' PD sits inside the BI figure, BI+PD x0.7608). No single multiplier reproduces the four lines in either reading, and the quote total reaches 72.46% of ours (72.56% with the portal's 0.88 fee) by cancellation: the liability line is 42.9% ABOVE our BI and the Uninsured pair 42.0% and 46.8% BELOW our UMBI and UMPD. The BI figure is an ENTRY READING and not a carrier constant: because it carries PD inside it, it reads x1.5007 when only the PD limit moves at an unchanged 30/60 BI and x1.2925 at 100/300, while the bundle (BI+PD against our BI+PD at the limit the carrier rated) stays at 0.7608 / 0.7617 / 0.7585 - a spread of 0.0032 across three entries, with PD at 48.0-48.1% of the printed BI solved twice from independent steps. The PD limit itself is the carrier's key, not the difference: on a 15,000 -> 25,000 step the printed BI moves by 25-2424's PD factor scaled by a PD share that is now 48.0-48.2% from three independent steps, and the Uninsured pair does not move at all. |
| mukul-orion-40525596-bi50100 |
Orion Indemnity Company (the carrier forces the 6-month term AND substitutes the PD limit) |
654.48 |
899.00 |
+244.52 +37.36% |
UNEXPLAINED |
orion-rate-levelITC prices Orion Indemnity at a rate level class plan 25-2424 does not print: with the portal's own fee removed, its premium is 72.5%-75.0% of the filed computation, and that gap does not move with the ZIP or with the BI limit. orion-per-coverage-splitOrion's difference is coverage-specific and not one rate level: at the entry its own pane prints (6-month term, 10,000 annual miles) the portal's Uninsured lines land near HALF our computation - UMBI x0.5800, UMPD x0.5321 - while its liability line lands ABOVE it, BI x1.4287 (or, on the reading that the printed 'Incl.' PD sits inside the BI figure, BI+PD x0.7608). No single multiplier reproduces the four lines in either reading, and the quote total reaches 72.46% of ours (72.56% with the portal's 0.88 fee) by cancellation: the liability line is 42.9% ABOVE our BI and the Uninsured pair 42.0% and 46.8% BELOW our UMBI and UMPD. The BI figure is an ENTRY READING and not a carrier constant: because it carries PD inside it, it reads x1.5007 when only the PD limit moves at an unchanged 30/60 BI and x1.2925 at 100/300, while the bundle (BI+PD against our BI+PD at the limit the carrier rated) stays at 0.7608 / 0.7617 / 0.7585 - a spread of 0.0032 across three entries, with PD at 48.0-48.1% of the printed BI solved twice from independent steps. The PD limit itself is the carrier's key, not the difference: on a 15,000 -> 25,000 step the printed BI moves by 25-2424's PD factor scaled by a PD share that is now 48.0-48.2% from three independent steps, and the Uninsured pair does not move at all. |
| mukul-orion-40525596-bi100300 |
Orion Indemnity Company (6-month term forced, PD limit substituted 15,000 -> 50,000) |
732.18 |
1,003.60 |
+271.42 +37.07% |
UNEXPLAINED |
orion-rate-levelITC prices Orion Indemnity at a rate level class plan 25-2424 does not print: with the portal's own fee removed, its premium is 72.5%-75.0% of the filed computation, and that gap does not move with the ZIP or with the BI limit. orion-per-coverage-splitOrion's difference is coverage-specific and not one rate level: at the entry its own pane prints (6-month term, 10,000 annual miles) the portal's Uninsured lines land near HALF our computation - UMBI x0.5800, UMPD x0.5321 - while its liability line lands ABOVE it, BI x1.4287 (or, on the reading that the printed 'Incl.' PD sits inside the BI figure, BI+PD x0.7608). No single multiplier reproduces the four lines in either reading, and the quote total reaches 72.46% of ours (72.56% with the portal's 0.88 fee) by cancellation: the liability line is 42.9% ABOVE our BI and the Uninsured pair 42.0% and 46.8% BELOW our UMBI and UMPD. The BI figure is an ENTRY READING and not a carrier constant: because it carries PD inside it, it reads x1.5007 when only the PD limit moves at an unchanged 30/60 BI and x1.2925 at 100/300, while the bundle (BI+PD against our BI+PD at the limit the carrier rated) stays at 0.7608 / 0.7617 / 0.7585 - a spread of 0.0032 across three entries, with PD at 48.0-48.1% of the printed BI solved twice from independent steps. The PD limit itself is the carrier's key, not the difference: on a 15,000 -> 25,000 step the printed BI moves by 25-2424's PD factor scaled by a PD share that is now 48.0-48.2% from three independent steps, and the Uninsured pair does not move at all. |
| mukul-orion-40525596-pd25000 |
Orion Indemnity Company (6-month term forced by the carrier; PD held INSIDE its printed BI) |
627.28 |
862.30 |
+235.02 +37.47% |
UNEXPLAINED |
orion-rate-levelITC prices Orion Indemnity at a rate level class plan 25-2424 does not print: with the portal's own fee removed, its premium is 72.5%-75.0% of the filed computation, and that gap does not move with the ZIP or with the BI limit. orion-per-coverage-splitOrion's difference is coverage-specific and not one rate level: at the entry its own pane prints (6-month term, 10,000 annual miles) the portal's Uninsured lines land near HALF our computation - UMBI x0.5800, UMPD x0.5321 - while its liability line lands ABOVE it, BI x1.4287 (or, on the reading that the printed 'Incl.' PD sits inside the BI figure, BI+PD x0.7608). No single multiplier reproduces the four lines in either reading, and the quote total reaches 72.46% of ours (72.56% with the portal's 0.88 fee) by cancellation: the liability line is 42.9% ABOVE our BI and the Uninsured pair 42.0% and 46.8% BELOW our UMBI and UMPD. The BI figure is an ENTRY READING and not a carrier constant: because it carries PD inside it, it reads x1.5007 when only the PD limit moves at an unchanged 30/60 BI and x1.2925 at 100/300, while the bundle (BI+PD against our BI+PD at the limit the carrier rated) stays at 0.7608 / 0.7617 / 0.7585 - a spread of 0.0032 across three entries, with PD at 48.0-48.1% of the printed BI solved twice from independent steps. The PD limit itself is the carrier's key, not the difference: on a 15,000 -> 25,000 step the printed BI moves by 25-2424's PD factor scaled by a PD share that is now 48.0-48.2% from three independent steps, and the Uninsured pair does not move at all. |
| purvis-aspire |
Aspire General Insurance Company |
2,059.61 |
2,349.08 |
+289.47 +14.05% |
UNEXPLAINED |
under investigation - no controlled test has established a cause |
| lopez-coast |
Bristol West |
846.96 |
1,030.68 |
+183.72 +21.69% |
UNEXPLAINED |
coast-liability-levelFor this risk ITC prices Bristol West's liability lines at a LEVEL class plan 26-486 does not print: BI x0.9194 and UMBI x0.9150 against the filed computation, the same numbers at two different BI limits, while its PD line follows a published symbol row to within 0.7%. The limit keys and the term are both the filing's, so the disagreement is a level and not a key. |
| mukul-coast-40525596-terr90210 |
Bristol West (6-month term forced by the carrier) |
1,864.96 |
1,769.92 |
-95.04 -5.10% |
UNEXPLAINED |
coast-liability-levelFor this risk ITC prices Bristol West's liability lines at a LEVEL class plan 26-486 does not print: BI x0.9194 and UMBI x0.9150 against the filed computation, the same numbers at two different BI limits, while its PD line follows a published symbol row to within 0.7%. The limit keys and the term are both the filing's, so the disagreement is a level and not a key. |
| mukul-integon-40525596-terr90210 |
National General Summit |
1,843.56 |
1,257.24 |
-586.32 -31.80% |
UNEXPLAINED |
integon-club-dent-proITC's Integon (National General Summit) policy fee contains a $36.00 Club Dent Pro membership that class plan 26-1481's fee schedule does not price: the pane prints 52.80, our fee layer charges 16.80 policy fee + 1.76 CA fraud, and 52.80 - 16.80 = 36.00. |
| mukul-orion-40525596-terr90210 |
Orion Indemnity Company (6-month term forced by the carrier; PD held INSIDE its printed BI) |
721.98 |
988.50 |
+266.52 +36.92% |
UNEXPLAINED |
orion-rate-levelITC prices Orion Indemnity at a rate level class plan 25-2424 does not print: with the portal's own fee removed, its premium is 72.5%-75.0% of the filed computation, and that gap does not move with the ZIP or with the BI limit. orion-per-coverage-splitOrion's difference is coverage-specific and not one rate level: at the entry its own pane prints (6-month term, 10,000 annual miles) the portal's Uninsured lines land near HALF our computation - UMBI x0.5800, UMPD x0.5321 - while its liability line lands ABOVE it, BI x1.4287 (or, on the reading that the printed 'Incl.' PD sits inside the BI figure, BI+PD x0.7608). No single multiplier reproduces the four lines in either reading, and the quote total reaches 72.46% of ours (72.56% with the portal's 0.88 fee) by cancellation: the liability line is 42.9% ABOVE our BI and the Uninsured pair 42.0% and 46.8% BELOW our UMBI and UMPD. The BI figure is an ENTRY READING and not a carrier constant: because it carries PD inside it, it reads x1.5007 when only the PD limit moves at an unchanged 30/60 BI and x1.2925 at 100/300, while the bundle (BI+PD against our BI+PD at the limit the carrier rated) stays at 0.7608 / 0.7617 / 0.7585 - a spread of 0.0032 across three entries, with PD at 48.0-48.1% of the printed BI solved twice from independent steps. The PD limit itself is the carrier's key, not the difference: on a 15,000 -> 25,000 step the printed BI moves by 25-2424's PD factor scaled by a PD share that is now 48.0-48.2% from three independent steps, and the Uninsured pair does not move at all. |
| mukul-coast-40525596-married |
Bristol West (6-month term forced by the carrier) |
1,069.96 |
1,057.92 |
-12.04 -1.13% |
NEAR |
coast-liability-levelFor this risk ITC prices Bristol West's liability lines at a LEVEL class plan 26-486 does not print: BI x0.9194 and UMBI x0.9150 against the filed computation, the same numbers at two different BI limits, while its PD line follows a published symbol row to within 0.7%. The limit keys and the term are both the filing's, so the disagreement is a level and not a key. |
| mukul-integon-40525596-married |
National General Summit |
1,171.56 |
799.30 |
-372.26 -31.77% |
UNEXPLAINED |
integon-club-dent-proITC's Integon (National General Summit) policy fee contains a $36.00 Club Dent Pro membership that class plan 26-1481's fee schedule does not price: the pane prints 52.80, our fee layer charges 16.80 policy fee + 1.76 CA fraud, and 52.80 - 16.80 = 36.00. |
| mukul-orion-40525596-married |
Orion Indemnity Company (6-month term forced by the carrier) |
473.58 |
650.00 |
+176.42 +37.25% |
UNEXPLAINED |
orion-rate-levelITC prices Orion Indemnity at a rate level class plan 25-2424 does not print: with the portal's own fee removed, its premium is 72.5%-75.0% of the filed computation, and that gap does not move with the ZIP or with the BI limit. orion-per-coverage-splitOrion's difference is coverage-specific and not one rate level: at the entry its own pane prints (6-month term, 10,000 annual miles) the portal's Uninsured lines land near HALF our computation - UMBI x0.5800, UMPD x0.5321 - while its liability line lands ABOVE it, BI x1.4287 (or, on the reading that the printed 'Incl.' PD sits inside the BI figure, BI+PD x0.7608). No single multiplier reproduces the four lines in either reading, and the quote total reaches 72.46% of ours (72.56% with the portal's 0.88 fee) by cancellation: the liability line is 42.9% ABOVE our BI and the Uninsured pair 42.0% and 46.8% BELOW our UMBI and UMPD. The BI figure is an ENTRY READING and not a carrier constant: because it carries PD inside it, it reads x1.5007 when only the PD limit moves at an unchanged 30/60 BI and x1.2925 at 100/300, while the bundle (BI+PD against our BI+PD at the limit the carrier rated) stays at 0.7608 / 0.7617 / 0.7585 - a spread of 0.0032 across three entries, with PD at 48.0-48.1% of the printed BI solved twice from independent steps. The PD limit itself is the carrier's key, not the difference: on a 15,000 -> 25,000 step the printed BI moves by 25-2424's PD factor scaled by a PD share that is now 48.0-48.2% from three independent steps, and the Uninsured pair does not move at all. |