How long should I expect to wait before a quote finishes calculating?

Quoting happens asynchronously in the Carrier Platform API, so you might not always see a premium returned immediately, even if you submit all of the required information. These scenarios will be represented in your quote response with the quote status of quoting.

The Carrier Platform can surface both estimated (RC1) rates as well as bindable (finalizable; RC3) ones.

Estimated quotes require less information, can be considered lower-fidelity, and are calculated much more quickly than bindable quotes. Generally they will be ready within ten seconds, although it can take as few as five. As a result, we recommend polling for five second intervals if the quote kind is estimated.

Bindable or finalized quotes consider much more information like vendor reports, state-specific requirements, and so on. These calculations can be performed in as low as twenty seconds, although sometimes it might be closer to a minute. Therefore, when a quote kind is either bindable or finalized, we suggest polling at ten second intervals.