Insurance Timing Index

Core terms

Rate Pressure

A 0–100 read of how strongly recent pricing movement may affect renewals in an area. Higher scores may indicate more upward pressure; the engine assigns the label — pages do not invent scores.

Switch Window

A period when comparing carriers before renewal may be more worthwhile. Status comes from precomputed timing decisions (open, monitor, or closed) — not from headline heuristics.

Hidden Rate Drift

When local averages move faster than many drivers expect before a renewal notice arrives. Drift flags come from the timing engine when supported by observations.

Renewal Pressure

Framing for elevated rate pressure combined with higher urgency near renewal. Used in consumer copy only when the engine overlay supports it.

Timing Score

The public name for the engine’s rate pressure score on index pages. One interpreter produces the number; glossary defines the term.