aid: turborater
url: https://raw.githubusercontent.com/api-evangelist/turborater/refs/heads/main/apis.yml
name: TurboRater
kind: company
description: >-
  TurboRater is a personal lines comparative insurance rating platform from
  Insurance Technologies Corporation (ITC), now part of Zywave (marketed within
  Zywave Sales Cloud). It lets agencies, carriers, lead providers, and online
  aggregators quote auto, homeowners, condominium, renters, dwelling fire, and
  motorcycle coverage from 200+ carriers in a single workflow. ITC exposes a
  web service-based rating API (a service-oriented version of TurboRater it
  first offered to third parties in 2010, extended with a homeowner rating API
  in 2016) that returns real-time rates from hundreds of carriers and can pull
  quote data as XML or ITC's proprietary Turbo Tags (TT2) format, plus a
  real-time bridge that hands a completed quote into an agency point-of-sale or
  management system. The rating API is partner- and subscription-gated - access,
  carrier appointments, and the developer documentation are provisioned through
  ITC/Zywave sales rather than a public developer portal, so the specific
  endpoints below are honestly modeled from published behavior, not copied from
  a public API reference.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- InsurTech
- Comparative Rating
- Auto Insurance
- Home Insurance
- Quotes
- Real-Time Rating
- Personal Lines
- ITC
- Zywave
created: '2026-07-10'
modified: '2026-07-10'
specificationVersion: '0.19'
apis:
- aid: turborater:turborater-rating-quotes-api
  name: TurboRater Rating and Quotes API
  tags:
  - Rating
  - Quotes
  - Real-Time Rating
  - Personal Lines
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.zywave.com/sales-cloud/turborater/
  properties:
  - url: https://www.zywave.com/sales-cloud/turborater/
    type: Documentation
  - url: https://www.turborater.com/products/rating/features/integration
    type: Documentation
  description: >-
    Submit a single comparative rating request and receive real-time premiums
    and coverage back from many carriers at once, across auto, homeowners,
    condominium, renters, dwelling fire, and motorcycle lines. This is the core
    web service-based rating surface ITC has offered to third parties since
    2010. Access is partner-gated and carrier appointments must be provisioned;
    the request/response paths are honestly modeled, not published in a public
    API reference. endpointsModeled=true.
- aid: turborater:turborater-applicants-api
  name: TurboRater Applicants and Risk API
  tags:
  - Applicants
  - Risk
  - Data Entry
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.zywave.com/sales-cloud/turborater/
  properties:
  - url: https://www.zywave.com/sales-cloud/turborater/
    type: Documentation
  description: >-
    Capture the applicant, drivers, vehicles, dwelling, and coverage detail that
    a comparative rating request is built from, so a single point of data entry
    can be reused across every carrier quote and bridged downstream without
    re-keying. Modeled from TurboRater's single-entry quoting workflow; the
    concrete resource paths are not published in a public reference.
    endpointsModeled=true.
- aid: turborater:turborater-realtime-bridge-api
  name: TurboRater Real-Time Bridge API
  tags:
  - Bridge
  - Real-Time
  - Point of Sale
  - Integration
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.turborater.com/products/rating/features/integration
  properties:
  - url: https://www.turborater.com/products/rating/features/integration
    type: Documentation
  - url: https://wiki.agencysystems.com/wiki/ITC_TurboRater_Rating_Integration
    type: Documentation
  description: >-
    Hand a completed quote from TurboRater into a downstream point-of-sale,
    agency management, or website platform in real time, or export it for daily
    download, using ITC's Turbo Tags 2.0 (.TT2) or AL3 formats. ITC requires a
    minimum real-time response time and lets agents either bind through
    TurboRater or bridge the quote into their own system. Modeled from published
    integration behavior; exact bridge endpoints are provisioned per partner.
    endpointsModeled=true.
- aid: turborater:turborater-results-retrieval-api
  name: TurboRater Results Retrieval API
  tags:
  - Results
  - Quote Retrieval
  - XML
  - TurboTags
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.turborater.com/products/rating/features/integration
  properties:
  - url: https://www.turborater.com/products/rating/features/integration
    type: Documentation
  description: >-
    Pull the quote and rate results a rating request produced, in either XML or
    ITC's proprietary TurboTags (TT2) format, so any third-party system can
    consume premiums, coverages, carrier eligibility, and pay plans. Modeled
    from the documented statement that "with the TurboRater API, any system can
    pull quote data in either XML or our proprietary TurboTags format"; the
    concrete retrieval endpoint is partner-provisioned. endpointsModeled=true.
common:
- type: DomainSecurity
  url: security/turborater-domain-security.yml
- type: Website
  url: https://www.turborater.com
- type: LinkedIn
  url: https://www.linkedin.com/company/insurance-technologies-corporation
- type: Documentation
  url: https://www.turborater.com/products/rating/features/integration
- type: Plans
  url: plans/turborater-plans-pricing.yml
- type: RateLimits
  url: rate-limits/turborater-rate-limits.yml
- type: FinOps
  url: finops/turborater-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com