Insurance Premium Gap Analysis

A method and apparatus for determining the amount of premium, policies, or quotations needed to improve market share in various geographic locations based on user selected criteria. The method comprises calculating a total estimated expenditure on insurance by zip code, an estimated market share for an insurance provider by zip code, a year-to-date sale-to-quote ratio by zip code, and finally the amount of premiums, policies, or quotations needed to achieve a market share in a zip code. The method and apparatus will also display or output demographic data, market data, insurance provider information, and calculated amounts of premiums, policies, or quotations needed to achieve a market share in a given zip code.