# 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 three seconds, although it can take as few as two. As a result, we recommend polling for *one* second intervals when 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.

| Quote Kind             | Average Calculation | Suggested Polling Interval |
| :--------------------- | :------------------ | :------------------------- |
| `estimated`            | 3 seconds           | 1 second                   |
| `bindable`/`finalized` | 20 seconds          | 10 seconds                 |

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