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How insurance quote sites work

Updated October 27, 2026

One form, many quotes, and usually several phone calls. Know what you are agreeing to before you press submit.

160+
Insurers EverQuote says it works with
Minutes
How soon agents may call, it says

EverQuote FAQ, read Oct 2, 2026. See source

A woman sits on her sofa in the evening with a laptop and notebook, thinking.
On this page
  1. What happens after you submit
  2. Marketplace or insurer direct
  3. Before you press submit
  4. The marketplaces' own pages
  5. Sources

What happens after you submit

Insurance quote marketplaces collect your details once and pass them to insurers and agents who want to quote. EverQuote, for example, says its service is free to consumers, that its technology matches you to options after a short form, and that quotes may come by phone or email from local agents, usually within minutes. It says the information you give is shared with insurance agents and companies that intend to quote you, and that it works with over 160 insurers and over 7,000 agents1.

SmartFinancial describes a similar model: one form compared across carriers, licensed insurance concierges by phone, and connections to local agents and carriers2.

What this means for you. Expect calls and emails soon after you submit. Read the consent text above the submit button: it says who may contact you and how. If you would rather not be called, get quotes directly on two or three insurers' own sites instead.

Marketplace or insurer direct

QuestionQuote marketplaceInsurer's own site
Forms to fill in1OneOne per insurer
Who contacts you1Several agents or insurers, often by phoneThat insurer

Marketplace column based on EverQuote's FAQ.

Before you press submit

  • Read the consent text

    It names who may call or email you, and how.

  • Quote the same limits

    Otherwise the prices are not comparable. See auto limits.

  • Prefer no calls?

    Quote on two or three insurers' own sites instead.

The marketplaces' own pages

Sources

  1. Frequently asked questionsEverQuote, read Oct 2, 2026
  2. About SmartFinancialSmartFinancial, read Oct 2, 2026

About this page

CoverPlainly is also not an insurance agent, does not sell insurance or collect your details, and does not cover Medicare. Nothing here is insurance advice.

Prices, coverage and terms belong to each company and can change. The company's own page and your policy are the final word; the insurer decides every application.