Insurance Shopping Becomes a Routine Trend
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 10 2026
0mins
Should l Buy TRU?
Source: Newsfilter
- Increased Shopping Frequency: TransUnion's report indicates that auto insurance shopping rates rose by 11% in Q4 2025 compared to the same period in 2024, while property insurance shopping increased by 5%, reflecting a shift towards routine insurance shopping driven by economic pressures on consumers.
- Shopping Intensity Insights: Despite the rise in shopping frequency, the shopping intensity index reveals that less than a quarter of consumers considered three or more insurers, indicating that most shoppers exhibit low intensity, which could impact insurers' market strategies and pricing models.
- Generational Differences: The report highlights that Baby Boomers and Silent Generation consumers scored seven points lower in shopping intensity compared to Gen Z, likely due to brand loyalty and inertia, while consumers in low-population areas also showed lower shopping intensity, emphasizing the importance of market segmentation.
- Enhancing Customer Experience: TransUnion recommends that insurers improve customer experience through proactive communication strategies, particularly before customers start shopping, utilizing technologies like Branded Call Display to build trust and potentially increase retention rates and customer satisfaction.
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Analyst Views on TRU
Wall Street analysts forecast TRU stock price to rise
15 Analyst Rating
11 Buy
3 Hold
1 Sell
Moderate Buy
Current: 76.050
Low
80.00
Averages
102.71
High
125.00
Current: 76.050
Low
80.00
Averages
102.71
High
125.00
About TRU
TransUnion is a global information and insights company. The Company operates through two segments: U.S. Markets and International. The U.S. Markets segment provides consumer reports, actionable insights and analytics to businesses. These businesses use the Company’s services to engage and acquire customers, assess consumer ability to pay for services, identify cross-selling opportunities, measure and manage debt portfolio risk, collect debt, verify consumer identities and mitigate fraud risk. The International segment provides services similar to its U.S. Markets segment to businesses in select regions outside the United States. Depending on the maturity of the credit economy in each country, services may include credit reports, analytics and technology solutions services and other value-added risk management services. It also has insurance, business and automotive databases in select geographies. It also owns Monevo, a credit prequalification and distribution platform.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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See More
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