A system and method are described herein for acquiring and maintaining, in a centralized repository, driver and vehicle information for the purpose of rendering a rating for individual drivers and vehicles in accordance with established criteria and standards. A driver rating indicates the relative desirability of the particular driver given the expected wear and tear upon a vehicle arising from driver's use of the vehicle. A vehicle rating indicates the relative desirability of the particular vehicle given the use and maintenance history. Additional information is also maintained in the centralized repository that could be used to indicate an event for which a surcharge or discount is applicable. Thereafter, specified filtering criteria are applied bi-laterally to determine a set of rated vehicles that can be used by a particular rated driver.