US Patent 10109014 Pre-calculated insurance premiums with wildcarding

Systems and methods involving a rating module that accesses a single, voluminous table or multiple tables stored in a searchable data store (e.g., database) to execute various queries (e.g., SQL JOIN) to search the table(s) is disclosed. The system may include—an underlying linear programming platform (e.g., optimization engine and associated components) that includes an application programmer's interface (e.g., Python API) that may be used to perform optimization using illustrative optimization libraries (e.g., optimizer). The system may be communicatively coupled with a vehicle and/or other device to communicate/output ratings information to a user.