Car Rental Rate Data Extraction for an Insurance-Claims Platform
                     Car-Rental Rate Comparables API 
for an Insurance-Claims Platform: A 
Car Rental Rate Data Extraction 
Case Study
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At a glance
Item Detail
Client Insurance-claims software company in the United States
Market United States, all major cities
Sources Major rental agencies and online travel agencies with public rates
Scope Daily rental rates by city, location, vehicle class and model
Frequency Daily for top 200 cities, weekly for the rest
Delivery Licensable REST API
Service Car rental rate data extraction by Travel Data Scrape
www.travelscrape.co [email protected]
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The Client
When a policyholder's car is damaged, many 
insurance policies cover a rental car while repairs take 
place. Adjusters need to know a fair daily rate for a 
comparable vehicle in the policyholder's city. The 
client builds claims software and wanted "a licensable 
API for car rental rate comparables, same model or 
closest class, in every US city," with vendor, class or 
model, location and rate.
Another client in the same quarter, an AI team 
operating car-hire businesses, asked for rental data to 
power demand forecasting and dynamic pricing. 
Both needed reliable, structured rental rates at scale.
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Challenges in the Travel Industry
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National coverage
Claims happen everywhere, from major metros to 
small towns.
Like-for-like comparison
A claim for a mid-size SUV needs a mid-size SUV 
comparable, not an economy car.
Rate variation
Rates vary by pickup location (airport vs 
neighbourhood), date, rental length and agency.
Defensible numbers
Adjusters must be able to explain how a rate was 
chosen, so every comparable needs a source and a 
timestamp.
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Our Approach
Step 1: Location grid
Travel Data Scrape built a grid of pickup locations 
covering every US metro area and county seat, 
separating airport and non-airport locations.
Step 2: Standard search parameters
For each location, rates were collected for a fixed set 
of searches: a 3-day, 7-day and 14-day rental 
starting 2 and 14 days ahead, which reflects how 
replacement rentals typically work.
Step 3: Vehicle class mapping
Rental agencies use different class names and the 
ACRISS-style four-letter codes. All vehicles were 
mapped to standard classes (economy, compact, 
mid-size, full-size, standard SUV, full-size SUV, 
minivan, pickup, luxury), with the example model 
shown by the agency kept as a separate field.
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Step 4: Rate normalisation
Base rate, taxes and fees were captured separately 
where shown, and a daily all-in rate was calculated.
Step 5: Comparables API
The API takes a ZIP code, vehicle class or model, and 
date, and returns the nearest comparable rates with 
distance, agency, class, example model, base and all-in 
rates, and collection date.
Sample API response
The response below is illustrative.
{
  "query": {"zip": "30303", "vehicle_class": 
"standard_suv", "days": 7},
  "comparables": [
    {"agency": "Example Rent A Car", 
"location_type": "non_airport", "distance_mi": 1.8, \
"class_code": "SFAR", "example_model": "Toyota 
RAV4 or similar", "daily_base_usd": 58.40, 
"daily_all_in_usd": 71.90, "collected_at": "2026-10-
06"},
    {"agency": "Sample Car Hire", "location_type": 
"non_airport", "distance_mi": 3.2, "class_code": 
"SFAR", "example_model": "Ford Escape or similar", 
"daily_base_usd": 54.10, "daily_all_in_usd": 66.80, 
"collected_at": "2026-10-06"},
    {"agency": "Demo Rentals", "location_type": 
"airport", "distance_mi": 9.7, "class_code": "SFAR", 
"example_model": "Nissan Rogue or similar", 
"daily_base_usd": 64.90, "daily_all_in_usd": 89.30, 
"collected_at": "2026-10-06"}
  ],
  "median_daily_all_in_usd": 71.90
}www.travelscrape.co [email protected]
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Results Snapshot
Vehicle class (illustrative, national medians, non-airport, 7- Daily base rate Daily all-in rate
day)
Economy $38 $47
Mid-size $44 $55
Standard SUV $56 $69
Minivan $74 $90
Pickup $79 $96
Results Achieved
Metric Outcome (illustrative)
Pickup locations covered 6,800
Daily rate observations 1.1 million \
Share of claims ZIPs with at least 3 comparables within 25 miles 96%
Average API response time Under 400 ms
The client embedded the comparables API into its 
claims workflow. Adjusters now see three or more 
comparable rates with sources in seconds, rather 
than phoning rental branches. The client reports 
faster rental authorisations and fewer disputes 
about rental rates.
How adjusters use the comparables
When a claim is opened, the claims system calls the 
API with the policyholder's ZIP code, the class of the 
damaged vehicle and the expected repair duration. 
The adjuster sees a short list of comparable rates, 
the median, and the collection date for each. If a 
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adjuster can request comparables for a longer rental 
length. Every response is stored with the claim file, so the 
rate decision can be explained later if a policyholder or 
regulator asks.
Why it worked
Standard search parameters made comparables 
consistent and defensible.
Class mapping solved the "same model or closest 
class" requirement.
Airport and non-airport separation prevented inflated 
comparables.
Source and date on every rate supported adjuster 
explanations.
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Build your rental comparables API
Travel Data Scrape delivers 
car rental rate data extraction and comparables 
APIs for insurers, claims software vendors and car-
hire operators. Share your coverage needs and we 
will run a pilot for your top claim locations.
FAQs
Does car rental rate data extraction include exact 
models?
Agencies usually show an example model "or 
similar". The example model is included alongside the 
standard class.
Can the API return rates for future dates?
Yes. Rates are collected for set lead times and can be 
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Is this the same as consumer car rental price 
commparison? om
No. This project is built for claims comparables and 
uses standard rental lengths and classes. Travel Data 
Scrape also
offers consumer-style daily car rental pricing data.
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Originally published at 
https://www.travelscrape.com/
www.travelscrape.co [email protected]
m om
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