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3 tools · Updated Oct 2026

AI quoting agents

AI that does the quoting work itself: reads the submission, logs into carrier portals or raters, fills the application and brings back quotes. A new category, moving fast.

Every tool

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How to choose

What matters most, in order

Portals, not just APIs

Many carriers have no quoting API. Ask whether the agent can work real carrier portals with your agency's logins.

MFA and login handling

Ask how it gets one-time codes at each carrier, whether codes landing in a shared inbox need your IT provider to forward, and which carriers still require a person to log in.

Turnaround time

Time a real quote from submission to every carrier back. If it's slower than your rater plus re-keying the top carriers, staff will go back to the rater.

How it handles questions and referrals

Watch a real submission end to end, including the underwriting questions. Try a home app missing the roof year or pool answer and an auto app with an unlisted household driver.

Accuracy and review

Ask how you review what the agent entered before anything is submitted, and who is accountable for errors (E&O).

Security and producer codes

Ask how carrier credentials are stored, who can see client data, whether reduced-permission logins work, and how it picks the right producer code for each appointment.

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