Patent ID: 8447633

Claim:
A method of providing vehicle insurance, the method comprising: determining, at a server, an initial first insurance rate for Provider A and a first insurance rate for Provider B, wherein the initial first insurance rate for Provider A and the first insurance rate for Provider B correspond to a first potential customer; adjusting the initial first insurance rate for Provider A according to a first adjustment rule to form an adjusted first insurance rate for Provider A; selecting a lower of the adjusted first insurance rate for Provider A or the first insurance rate for Provider B; determining, at the server, a second insurance rate for Provider A and an initial second insurance rate for Provider B, wherein the second insurance rate for Provider A and the initial second insurance rate for Provider B correspond to a second potential customer; adjusting the initial second insurance rate for Provider B according to a second adjustment rule to form an adjusted second insurance rate for Provider B; and selecting a lower of the second insurance rate for Provider A or the adjusted second insurance rate for Provider B, wherein: the first adjustment rule adjusts the initial first insurance rate for Provider A by an amount that varies based on the first insurance rate for Provider B, the second adjustment rule adjusts the initial second insurance rate for Provider B by an amount that varies based on the second insurance rate for Provider A, the first adjustment rule adjusts rates according to a rule selected from a group consisting of a percentage dollar amount increase, a percentage dollar amount decrease, a flat dollar amount increase, and a flat dollar amount decrease, and the second adjustment rule adjusts rates according to a rule selected from a group consisting of a percentage dollar amount increase, a percentage dollar amount decrease, a flat dollar amount increase, and a flat dollar amount decrease.