The Real Cost of Manual Rating and Quoting in 2025

This post is part of a series sponsored by Expert Insured.

Every minute your team spends manually quoting is a minute lost to your competition. Whether you’re an MGA, wholesaler, or carrier, manual quoting isn’t just inefficient-it’s expensive. Here’s why sticking with spreadsheets, carrier portals, and email-based rating is hurting your business more than you think.

Manual Rating Is a Time Sink

Task	Time Spent Manually	Time with RQB + Selectsys
Data entry into carrier portal	8-15 minutes	0-1 minute (automated push)
Validating insurance application forms+ SOVs	5-10 minutes	Auto-read and flagged by AI
Multi-carrier comparisons	20+ minutes	2-3 minutes via RQB logic

Now multiply that by 50 submissions a day.

You’re Burning Payroll and Opportunity

Quoting teams often waste 3-4 hours per day on repetition, not risk analysis.

And while your team is stuck inputting data, your competition is:

Quoting faster
Responding first
Binding the deal

Manual Quoting = Manual Mistakes

Even the best team fat-fingers a ZIP code or miskeys a class code.
That one small error could:

Tank your quote accuracy
Cause rework
Trigger compliance red flags

With RQB + Selectsys, rating is accurate, consistent, and auditable.

Carrier Appetite Is Always Changing. Are You?

Manual quoting often misses:

Carrier eligibility shifts
Appetite filter changes
API updates

RQB updates daily. You quote with real-time data, not outdated PDFs or tribal knowledge.

Real-World Impact: Before vs After RQB + Selectsys

Metric	Before (Manual)	After (AI + RQB)
Quotes per day (per rep)	8-10	20-30+
Errors requiring rework	10-15%	<2%
Time to quote multiple carriers	30-60 min	5-10 min
Time to train new staff	Weeks	Days (automated workflows)