HOI, auto, and commercial leads triggered by forced-shopper events — new deeds, CA non-renewals, DMV registrations, new LLC filings. EverQuote caps at three agents. We cap at one. Producer license verified before delivery.
Insurance gets shopped when life forces it: a closing, a non-renewal, a new car, a new LLC. We catch those moments.
State DOI lookup for CA, TX, FL, and 30+ more. Carrier appointments confirmed before activation.
HOI, auto, commercial, or all three. Set your states and your weekly volume cap. Stripe checkout.
Signal fires → match → you (and only you) get the lead. 30-day replacement on bad data.
P&C is a market concentrated under three holdcos with opaque pricing. We publish the number.
The P&C lead-gen market is concentrated under LendingTree (QuoteWizard), AWL, and Centerfield. Pricing is opaque, "exclusivity" usually isn't, and discounting is constant.
| Provider | Model | CPL / typical | Exclusivity | Pricing |
|---|---|---|---|---|
| DIFT Policies | Forced-shopper signals | $35 auto · $45 HOI · $125 commercial | 1 agent | Published |
| EverQuote Pro | Shared / "exclusive" | $15–$40 auto | 3-agent cap on "exclusive" | Variable |
| QuoteWizard | LendingTree-owned | $15–$40 typical | Shared | Unpublished |
| NetQuote / AWL | Tiered | $8–$50 | Shared | Unpublished |
| SmartFinancial | Shared / excl. | $8–$50 | Mixed | Promo-driven |
| Datalot | Live transfer | $15–$40 | 1-agent on transfer | Per call |
Competitor figures sourced April 2026 from public materials. Pricing and exclusivity terms vary by carrier appointment and state.
Cross-sell SOI referrals out to RE agents on Leads. Refi customers on Rates re-shop HOI here.