AI for insurance agents, done for you.
Every quote request texted in 60 seconds.
We build and run an AI system for your agency that texts every new quote request within a minute, asks your intake questions, books the qualified ones with a licensed producer, and keeps following up for 30 days. Text first, not call first, and not another CRM for you to configure. Your producers quote people who are ready. Live in 14 days.
Why do insurance agencies lose the quote requests they pay for?
Because a quote request is a race, and the agency is usually not the one running it. The shopper who fills out an auto quote form at 9:15 pm is not waiting for you. They filled out two other forms at 9:20, and if the lead came from a vendor it was sold to other agents at the same second it reached you. Whoever texts back first gets the conversation. Whoever gets the conversation usually gets the policy.
The research on lead response is old and consistent. In the largest published audit of lead response, Harvard Business Review tested 2,241 US companies and found the average response time to a web lead was 42 hours. Only 37% replied within an hour. 23% never replied at all. A separate study of lead response found the odds of qualifying a lead were 21 times higher when contact happened within 5 minutes versus 30 minutes.
Insurance makes it worse in two ways. Shoppers are comparing more than ever: J.D. Power's 2026 shopping study found that 53% of auto insurance customers shopped in the past year and pulled an average of 3.5 quotes, the highest number in the study's 20-year history. And purchased leads are shared by design: EverQuote states that its shared leads go to as many as three agencies, with an average of 1.9 agents per lead. You are not just racing the shopper's patience. You are racing another agent who got the same name at the same moment.
| What the data says | Number | Source |
|---|---|---|
| Average response time to an online lead | 42 hours | HBR audit of 2,241 companies |
| Companies replying within one hour | 37% | HBR audit of 2,241 companies |
| Companies that never replied | 23% | HBR audit of 2,241 companies |
| Lift in qualifying odds, 5 min vs 30 min | 21x | Lead Response Management study |
| Auto insurance customers who shopped in the past year | 53% | J.D. Power 2026 Insurance Shopping Study |
| Auto insurance shoppers who used AI tools to compare coverage | About 1 in 3 | J.D. Power 2026 Insurance Shopping Study |
| Average quotes pulled per shopper | 3.5 | J.D. Power 2026 Insurance Shopping Study |
| Agents a shared EverQuote lead goes to | Up to 3, avg 1.9 | EverQuote |
Full citations are listed in the Sources section at the bottom of this page.
We also ran our own check. In August 2026 we audited the quote funnels of 75 independent agencies across more than 30 states and found that 93% had nothing answering a quote request after office hours. The full findings are in our Insurance Agency Speed-to-Lead Report. The Friday 6 pm quote request waits until Monday. The shopper does not.
The three ways insurance leads leak
- Slow first touch. The quote request lands in an inbox or a vendor dashboard and gets a call when a CSR is free. On a shared lead, another agent has already spoken to the shopper by then.
- Producers quoting the wrong people. A licensed producer spends 25 minutes rating a policy for someone who renews in nine months, lives in a state you are not appointed in, or just wanted a number to wave at their current carrier.
- Follow-up that dies at attempt two. Most shoppers do not answer the first call. Most agencies stop after the second voicemail. The lead is marked dead when it was just at work.
The fix is not more hustle from your producers. It is a system that handles the first minute, the intake questions, and the 30 days of follow-up automatically, so the only thing left for a licensed human is the quote and the close.
One system between the quote request and the producer
Six pieces, set up for you on a platform we provide, tuned to the lines you write. Nobody learns new software. Your producers get a calendar with qualified shoppers on it. The booking layer is also available on its own as the AI appointment setter, and the phone side is covered by the AI receptionist.
Every lead source in one inbox
EverQuote, SmartFinancial, QuoteWizard, Facebook and Instagram lead forms, Google Ads, your agency website, and the referrals a client texts to your producer's cell. Each one lands in the CRM as a contact with its source tagged, so the first message fits how the shopper found you.
A text within 60 seconds, any hour
The AI opens with a short, human message in your agency's name. It asks what they want covered, who they are with now, when the policy renews, and their ZIP code. Nights, weekends, and the Monday morning pile-up after a rate increase are covered.
Qualification before a producer quotes
By the time a producer opens the file they know the line of business, current carrier, x-date, state, whether the shopper wants to bundle, and the best time to reach them. The AI never quotes a premium or says anything is covered. That stays with your licensed staff.
Routing by line, state, or round-robin
Solo agent: everything books to you. Agency: commercial goes to the commercial producer, life goes to whoever holds the life license, Texas leads go to the producer appointed in Texas, and the rest round-robins so nobody is buried and nothing waits.
30 days of follow-up that does not quit
No reply? The system keeps going: text, email, ringless voicemail, on a cadence written for insurance shoppers. Quote sent but not bound? It checks in. Renewal is four months out? It parks the lead and wakes it up 45 days before the x-date.
Your book and your dead quotes, reactivated
Old quotes that never bound get an x-date re-quote message. Policies you lost last year get a win-back. Monoline customers get a bundle conversation. We sequence the whole list during the install, and replies go straight to a producer. Nobody new is paid for.
What does the AI conversation actually look like?
Short, specific, and in your agency's name. The goal of the first two minutes is not to sell a policy. It is to find out what the shopper needs, when they need it, and to get a producer on the calendar. Here is a real-shape example from an auto and home lead that arrived from a Facebook ad at 9:15 pm on a Tuesday.
Notice what the AI did not do. It did not quote a premium, promise a discount, or say anything about coverage. It collected five facts, matched the shopper to a producer licensed in the right state, and booked a time. Alex opens her calendar Thursday to a bundle prospect who has already told her the carrier, the x-date, and the ZIP.
The names above are placeholders. The script, tone, questions, and handoff rules are written with you during the install. Some agencies want the AI to also ask about drivers in the household or claims history. Some want it to ask two questions and book. It is your intake.
What is an x-date, and how does re-quoting old quotes work?
An x-date is the expiration date of a prospect's current policy, the day their renewal comes up. It is the one date in insurance sales that decides when a shopper is actually willing to switch. A quote request that did not close in March is not dead; the shopper simply renewed with their current carrier and will be reachable again in the weeks before next year's x-date.
Most agencies collect x-dates and never use them. The quote sits in the agency management system, the renewal passes, and nobody calls. Direct-mail vendors sell x-date lists precisely because agencies do not work their own.
Here is how the system handles it. When a shopper tells the AI their renewal is months away, the lead is parked instead of chased. About six weeks before the x-date, the system wakes the conversation up with a short text in the producer's name: rates have moved, do you want a fresh quote before renewal. Replies go straight to the producer, who already has the shopper's line of business, current carrier and household details from the first conversation. The same logic runs across your old quotes during the install, so every x-date you already collected gets a re-quote conversation at the right time.
No new leads are bought for any of this. The x-dates already exist in your system. The re-quote campaign is usually the first place the install pays for itself.
How does this compare to hiring a CSR or using your CRM's drip campaigns?
There are three common ways agencies try to solve slow follow-up. Each works for someone. Here is where each one lands on the things that decide whether a quote request becomes a bound policy.
| You, working leads yourself | Hire a CSR or ISA | Vendor follow-up or agency CRM drips | LeadSixty | |
|---|---|---|---|---|
| First response time | Minutes to next day | Minutes during their shift | Seconds, fixed message | Under 60 seconds, conversational |
| Nights and weekends | Only if you answer | No | Yes, one-way | Yes, two-way |
| Asks intake questions and reads the answers | Yes | Yes | No | Yes |
| Books directly to a producer's calendar | Yes | Yes | Link only | Yes, with reminders |
| Follows up for 30 days without being told | Rarely | If managed | Yes, fixed schedule | Yes, adjusts to replies |
| Parks a lead until 45 days before the x-date | If you remember | If they remember | Manual setup | Automatic |
| Who builds and maintains it | You | You train and manage | You or a consultant | We do, ongoing |
| Time to live | Now | 4 to 8 weeks to hire and train | Weeks of setup | 14 days |
| Reactivates old quotes and lost policies | When you have time | If assigned | Possible, manual setup | Included in every install |
Honest note: if you already have a full-time CSR who answers every lead within minutes and never drops follow-up, you are covered on speed and should only consider us for the after-hours, x-date parking, and reactivation pieces. The pipeline tools you already use are good at what they do. We are not a replacement for them; we are the layer in front of them that turns a lead into a booked conversation.
One more distinction. Most AI products sold to agencies are call-first: an AI receptionist that answers the phone. Ours is text-first. A shopper who filled out a quote form at 9 pm rarely wants a phone call at 9:01, but they will answer a text, and a text conversation can be picked up by the producer the next morning with the full thread attached. Calls still happen; they happen once the shopper has said yes to a time.
Three steps. Fourteen days. Nothing for your team to learn.
Free Where AI Fits call
We map where your quote requests come from, how fast they are answered today, and where they stall. You leave with a written picture of the leak, whether or not you hire us.
We build and install in 14 days
CRM setup or connection, texting number registered, AI trained on your intake and handoff rules, routing configured by line and state, 30-day follow-up written, book reactivation launched, team walked through it.
We run it, you quote and bind
Every conversation is monitored. We tune scripts, timing and routing every month based on what shoppers actually say. You get a weekly summary and a calendar full of qualified quote appointments.
What happens in the 14 days
| Days | What we do | What we need from you |
|---|---|---|
| 1 to 2 | Where AI Fits call, access to your lead vendors and forms, export of old quotes, lost policies and current book | One 30-minute call, logins |
| 3 to 6 | CRM build or connection, lead vendor integrations, business texting number and A2P 10DLC registration, producer calendar sync | Business details for carrier registration, producer licenses by state |
| 7 to 10 | AI intake script, handoff rules, compliance boundaries, routing by line and state, 30-day follow-up sequence, x-date parking logic. Test conversations with your team. | One 45-minute review call, feedback on test threads |
| 11 to 13 | Reactivation campaign across your list, segmented into dead quotes, lost policies, and monoline customers | Approve the messages |
| 14 | Go live on all sources. Monitoring on. First weekly summary the following Monday. | Answer your phone |
Carrier registration for business texting usually clears within a few business days but can occasionally take longer. We start it on day 3 and tell you on day 1 if your setup carries that risk.
How do you keep automated texting compliant for an insurance agency?
Three things, all handled during the install.
- Registered business texting. We register your number for A2P 10DLC under your legal business name. That is what makes carriers deliver the messages instead of filtering them, and it is the step most do-it-yourself setups skip, which is the quiet reason their texts "stop working". Once the number is registered it also receives inbound texts, so a new lead who texts you first gets the same 60-second reply and the same qualifying questions. We set that up during the install where your number allows it.
- Consent and opt-out. Your forms carry a one-line text-consent checkbox, and STOP is honored instantly across every sequence. Carrier registration asks how people opt in, so the two go together.
- No insurance claims from the AI. It does not quote premiums, say coverage is bound, describe what a policy covers, or recommend limits. Those questions get booked onto a licensed producer's calendar. That boundary is written into its instructions and tested before launch.
This is not legal advice. It is what a clean setup looks like, and we build it that way by default.
Who is this for, and who should not buy it?
Good fit: independent agencies buying leads from EverQuote, SmartFinancial, QuoteWizard or running their own Facebook and Google campaigns; captive agents whose carrier sends internet leads they cannot keep up with; agencies with two to twenty producers who need routing by line and state; any agency with a book of a few thousand households and a folder of dead quotes nobody has touched; anyone whose after-hours quote requests wait until morning.
Not a fit: a solo agent working fewer than about 15 new quote requests a month from referrals they already call back in minutes. The system would work, but the math would not, and we will say so on the Where AI Fits call. Also not a fit if your carrier or agency agreement prohibits any automated outreach; the follow-up and reactivation layers are the point.
We also build beyond follow-up. Agencies that start with speed-to-lead often come back for renewal-review scheduling, claims check-in messages, Google review requests after binding, or a cross-sell agent that works the monoline book every quarter. Those are scoped separately once the core system is running.
Questions agency owners ask before they start
What does an AI lead follow-up system for an insurance agency actually do?+
Does the AI quote premiums or talk about coverage?+
Does it work with EverQuote, SmartFinancial and QuoteWizard leads?+
Which CRM or agency management system does this run on?+
Is texting shoppers automatically compliant with TCPA and my state's rules?+
How is this different from the drip campaigns in my agency CRM?+
How long does it take to go live?+
What happens to my dead quotes and the policies I lost?+
Can it route life leads to my life producer and commercial to my commercial producer?+
What if a shopper wants to talk to a person right away?+
How much does it cost?+
How fast should I respond to an internet insurance lead?+
Why do my internet leads never answer the phone?+
How many times should I follow up with an insurance lead before giving up?+
What is an x-date and how do I get one for a prospect?+
Do I need a dialer, or can texting alone convert internet leads?+
Will AI replace insurance agents?+
Who is this not a fit for?+
Other businesses we build this for
The same system, with different intake questions and routing, runs for loan officers and mortgage teams, real estate agents and teams, car dealers and brokers, and med spas. If your agency partners with a mortgage team for homeowners leads, the loan officer page covers how we route a purchase lead to both sides.
- Oldroyd, McElheran, Elkington. "The Short Life of Online Sales Leads." Harvard Business Review, March 2011. Audit of 2,241 US companies: 42-hour average response, 37% within one hour, 23% never responded. hbr.org
- Oldroyd, James. "Lead Response Management Study." InsideSales.com / MIT, 2007. Odds of qualifying a lead 21x higher at 5 minutes versus 30 minutes. leadresponsemanagement.org
- J.D. Power. "2026 U.S. Insurance Shopping Study." 53% of auto insurance customers shopped in the past year; average of 3.5 quotes per shopper, the highest in the study's 20-year history. jdpower.com
- EverQuote. "Shared vs. Exclusive Auto Insurance Leads for Agents." Shared leads are distributed to a maximum of three agencies, 1.9 agents on average. learn.everquote.com
- LeadSixty. "The Insurance Agency Speed-to-Lead Report 2026." Audit of 75 independent US agencies, August 2026. 93% had no after-hours response to quote requests. leadsixty.com/report/insurance
Page updated September 6, 2026. Every number on this page is either cited above or describes how our own installs work.
Find out how many quote requests you are losing to the clock
Book a free 30-minute Where AI Fits call. We look at your lead sources, your current response times, and your book, and show you where the leak is. No pitch if it is not a fit.
Book a Where AI Fits callor tell us in writing
Tell us what you want AI to handle and we come back with a straight answer, usually the same day. If it is not a fit, we say so.