Carrier Appetite + Zip Codes: Why Switching Works Sometimes (and Sometimes Doesn’t)
You run the same quote with three carriers and get three wildly different prices. Or you move a few miles, change
Read More →Carrier appetite
Direct answer
Carrier appetite shifts change who gets competitive pricing, even with identical risk signals today.
Why it changes price
- Carriers steer portfolios away from segments they consider volatile or unprofitable.
- Appetite can change by territory, vehicle type, and underwriting tier—not just “good driver” status.
- Switching works when you match a carrier currently pursuing your profile.
Decision rule
If your carrier is de-risking your segment, shop for appetite fit; if not, tune structure and limits.