Auto insurance is a very tough and complex business and there are a large number of insurers competing for business, so the market is highly mature allowing for only a tiny growth in the volume of business. Profit margins, if positive, are very thin. Consequently, effective technical and management control is absolutely essential to keep Estrella Seguros’ motor insurance business profitable. It is obviously essential that any insurer should not only be able to set a competitive yet profitable rate, but also should be able to provide a quote to the customer instantly and automatically. Like most motor insurers, Estrella Seguros uses SAS to perform the tariff segmentation and data analysis required to deliver accurate rating.