Trexis Insurance, a non-standard auto carrier based in Franklin, Tennessee, has rolled out a loss prediction solution from Pinpoint Predictive to shape payment plan decisions at quote.
The insurer writes business in 14 states and now evaluates expected loss outcomes much earlier in the customer journey.
Pinpoint’s platform feeds loss forecasts into Trexis’ quoting flow, letting the carrier adjust downpayment requirements on an individual basis. For selected drivers, that means lower upfront costs.
According to Trexis, the shift has already lifted premium production and smoothed the quoting experience. Fewer hard stops. Less friction.
Joel Witt, VP of actuarial services at Trexis, says the models changed how the company approaches affordability without drifting from risk discipline. He points to reduced downpayments across a broad slice of customers and ties that directly to higher written premium.
Pinpoint’s prediction models have allowed us to reduce down payment requirements for many customers, which has helped increase our premium production
Joel Witt, VP Actuarial Services at Trexis Insurance
“Our project timeline from initial contact with Pinpoint to live production was incredibly short – they have really made the entire process simple from project concept all the way to implementation,” said Joel Witt.
The technology arrives through an API and plugs straight into Trexis’ existing workflows. No heavy IT lift. No need to wait on years of historical loss development.
The early signal lets the insurer match payment options to individual risk profiles instead of leaning on blunt averages.
Pinpoint positions the deployment as part of a wider push to modernize personal auto underwriting decisions that sit just outside traditional rating.
Trevor Giroux, head of client services, says the collaboration helps Trexis protect profitability while giving drivers a better buying experience.
Pinpoint is proud to provide Trexis with the cutting-edge technology they need to continue innovating in the personal auto market
Trevor Giroux, Head of Client Services at Pinpoint Predictive
“Our work together will help Trexis strengthen profitability while creating a better purchasing experience for drivers – a win for both customers and the business,” said Trevor Giroux.
According to Beinsure analysts, this kind of early loss insight increasingly shapes how non-standard carriers balance growth with payment flexibility. Whether others follow quickly, maybe. But Trexis already has it live.
