What is EverQuote?

In less than two minutes, EverQuote promises to provide you with fast, free, no-obligation online auto insurance quotes so that you can pay as little as possible.

EverQuote tells us that they research dozens of different insurance companies, such as Allstate, Progressive, Nationwide, Farmers, Travelers, and Liberty Mutual, match you with prequalified providers based on your need, and give you competitive rates to compare. All you have to do is enter your information, and they'll handle the rest.

Compared to the competition, EverQuote also offers free iOS and Android apps that claim to help you track your trips and become a better driver.

Sure, EverQuote sounds like they could help you save a lot of time, but is this actually the case? And if it is, what distinguishes EverQuote from other similar websites? Are there important factors you should keep in mind?

Here, we’ll provide an in-depth look at what we learned about EverQuote during our research, as well as how this can help you make an empowered decision.

A Quick Look at EverQuote’s Lead Generation Service

Calling hundreds of auto insurance carriers in an attempt to find the best rate would be a time-consuming process. So time-consuming, in fact, that it probably wouldn’t be worth any savings you achieved.

Sure, independent agents can possibly help by providing multiple quotes through each of the carriers they represent. But how can you quickly and easily locate an agent in your area?

Enter lead generation websites. Without going into unnecessary detail, these types of websites gather a consumer’s information and pass it along to individuals or businesses that might be able to meet the consumer’s needs.

Based on this business model, lead generation websites are especially popular within the insurance industry (more next), but are also important in industries like financial services and lending (home loans, short term loans, etc.).

Specifically regarding EverQuote, they gather 42 pieces of personal information, including driving history, status, and insurance requirements.

Then, they deliver these real-time leads to no more than three agents in your area who are targeting clients that match your profile.

Specifically, agents can filter EverQuote’s leads by risk profiles like driver age, insurance status, accidents, tickets, SUI and SR-22, homeowner status, and credit rating.

What makes EverQuote any different (or better) than all the other lead generation websites out there?

Are There Other Auto Insurance Websites Like EverQuote?

In addition to ‘lead generators,’ websites like EverQuote are often referred to as auto insurance comparison engines. This is a bit of a misnomer, though, since—in contrast to websites like The Zebra—you won’t receive a quote after entering all of your information.

Instead, your details will be passed on to agents in your area who have paid for real-time leads. They’ll then contact you to see if you’d like to obtain a formal quote through any of the carriers they represent.

It’s only at this point that you’d receive a tangible quote on auto insurance.

With this in mind, there are perhaps hundreds of different websites offering the same essential service. We've reviewed several of the most popular options, including Compare.com, Provide-Savings, Get My Insurance, US-Quote.com, and Car-Insure.

How can you determine which of these is right for you?

Your Quick Reference Guide for Choosing an Auto Insurance Lead Generator

In a past life, I spent nearly ten years working for a national insurance provider and an underwriter. During that time, I learned some important factors you should keep in mind if you’re considering handing your information over to a lead generator:

Factor #1: You can contact an agent directly

When it comes down to it, the idea behind a lead generation website is that it can save you the time and hassle of contacting multiple local agents directly.

However, lead generators don’t always vet the quality of the agents they sell to—or that they’re even being sold to agents in the first place. As a result, it’s like raising your hand in a room crowded with strangers and asking one of them to help with your insurance needs.

If this doesn’t sound appealing, remember that you can just as easily type “auto insurance” into a search engine like Google, which will immediately display options by location. There, you’ll also be able to read customer reviews and visit the agency’s website to learn more about who you’ll be dealing with.

Let’s talk more about quality next.

Factor #2: Where does your information go?

If you take a look at customer complaints about many of the companies we mentioned above, one thing stands out: Most talk about being flooded with calls and emails soon after entering their information.

Calling agents directly is certainly one way to avoid this. But are there any other methods you can use?

Yes; find out exactly what the lead generator does with your information, whether on their website or by contacting them directly before you hand it over.

According to EverQuote’s Agent FAQ, they don’t sell your information to anyone other than individuals or businesses who have paid for their services. Except in instances where an agent has ordered an exclusive lead, they also won’t pass your information along to more than three agents in your area.

As a result, you probably shouldn’t expect to receive tons of calls or emails after entering your information on EverQuote’s website. Is this what EverQuote’s customers are saying?

Factor #3: Look at customer reviews

As a consumer-focused website, it probably doesn’t come as a surprise that we’d recommend looking at customer feedback for any lead generator you’re thinking about using. After all, bad experiences travel quickly and can speak volumes about what you might experience.

From this perspective, EverQuote had 37 reviews and a 3.2-star average rating, along with 11 complaints and an overall A- on the Better Business Bureau (as of 12/16/16).

Most reviews were negative, although there seemed to be a lot of confusion about the fact that EverQuote (despite its name) doesn’t provide auto insurance quotes.

As a company, EverQuote (formerly AdHarmonics) is based out of Cambridge, MA, and have been providing leads to agents since 2011. Based on what little feedback we could find, they seem to have a solid reputation among agents for high-quality leads with solid close rates.

EverQuote was co-founded by CEO Seth Birnbaum and CTO Tomas Revesz, both of whom came from high-level positions at Verdasys, Inc. They also obtain leads from other websites under their control like USAutoInsuranceNow.com.

Before moving on, there’s one other meaningful differentiating factor with EverQuote; their app.

How Does EverQuote’s EverDrive App Work?

As soon as you begin driving, the EverDrive app uses GPS and onboard sensors to track your distance and monitor your driving performance.

From there, EverDrive will display all your past drives (including maps) and break down your driving into a score of 0-100, based on five components: speeding, harsh acceleration, harsh braking, phone use, and cornering.

Depending on your score and your driving habits, EverDrive will provide personalized tips to help you improve. You’ll also be able to earn achievements, compete with others on the leader boards, and take advantage of contests and other promotions.

EverQuote Mobile AppWith the EverDrive app, you’ll be able to view your past drives and review your performance. Image credit: EverQuote

With 130+ total reviews, EverQuote’s EverDrive app had 4-star ratings on iTunes and Google Play. Most seemed to appreciate its ease of use and its ability to improve your driving habits.

However, complaints frequently claimed that EverDrive quickly drains the phone’s battery and that it often isn’t accurate (such as tracking activity when you’re not driving).

We’ve covered a lot of territory here, so let’s go ahead and drive it home.

Is EverQuote Worthy of Your Information?

With mostly positive customer feedback, a similarly positive reputation with independent agents, and many years in the business, it seems that EverQuote is one of the better auto insurance lead generation websites out there.

As long as you understand that you could be contacted by up to three agents (who may represent many of the same insurance carriers), it doesn’t appear you’ll be unpleasantly surprised after handing over your information.

Just keep in mind two things: First, although EverQuote claims you’ll be “prequalified” after entering your information, this only relates to matching you with an agent who’s looking for drivers like you.

This does not mean that you’ve been preapproved for any kind of auto coverage, or that the agents who contact you will be able to improve upon your current auto insurance premium.

Speaking of which, the second point to remember is that independent agents have no control over the rates quoted by the carriers they represent.

This means that, assuming you provide the same information, an auto quote with Allstate (to name just one of the companies EverQuote advertises) from Agent A will be the same from Agent B. Hopping around to different agents won’t save you money in this way.

Before you go, did you use EverQuote? Did you get some solid quotes from agents, or was it a bust? Give us the details in your review below!

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27 Customer Reviews for EverQuote

Average Customer Rating: 1.0
Rating Snapshot:
5 star: 0 4 star: 0 3 star: 0 2 star: 1 1 star:  26
Bottom Line: 0% would recommend it to a friend
Showing 1-11 of 27
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  • 9 out 9 people found this review helpful

    Auto insurance quotes

    • Detroit, MI,
    • Jun 13, 2017
    • Verified Reviewer

    I thought there was something or different special about this service, but I was wrong. I gave all the information and still had to repeat it all to all of the numerous calls I got. Plus, it appears they're really pushing for Progressive.

    Don't bother using EverQuote, it just leads to more phone calls and spam.

    Bottom Line: No, I would not recommend this to a friend

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  • 11 out 11 people found this review helpful

    Just another circular ad broker

    • Oklahoma City, OK,
    • Jun 4, 2017
    • Verified Reviewer

    I saw the ad on Cox and decided to try it, particularly since they were based in Oklahoma and I was considering changing insurance.

    All they do is the same thing other companies do, collect your information and route you to other companies where you then have to input your information again as though you never gave it to EverQuote. After putting in my information, four companies were listed and each was a company I had seen before, and each wanted to have everything input again. All this does is put you on mailing lists and call lists. I have enough of those, thank you very much.

    It is no different than the other companies who have the same service. It just adds another step in the process so they can make money.

    Bottom Line: No, I would not recommend this to a friend

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  • 12 out 12 people found this review helpful

    Frustrating for the agents too

    Unfortunately, everyone seems frustrated by the process. Each agent is charged a decent fee for each of what are supposed to quality leads, and then when we call or send them quotes, they never respond, and we are continued to be charged per agent. It sounds like the potential client in inundated by agents and companies, when the lead is supposedly only sold to four agents at a time, so they end up upset, and everyone loses.

    We don't ever do robo-dialing and are a small family based agency with personalized service, but the upset customer ends up so fatigued that they often never look at the quotes and get fed up with what it sounds like are far more than four agents calling. Then EverQuote does not want to refund us for a lead that really is not a lead anymore when the person then starts telling everyone that they do not want quotes.

    Bottom Line: No, I would not recommend this to a friend

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  • 15 out 15 people found this review helpful

    Waste of time

    • Orlando, Florida,
    • May 26, 2017
    • Verified Reviewer

    They make you think that they are the ones getting the quote for you, but all they do is pass your name and number on to a bunch of insurance agents, and then you get all these companies calling looking for your business.

    Bottom Line: No, I would not recommend this to a friend

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  • 12 out 12 people found this review helpful

    What a spam of a business

    • Greenville, NC,
    • May 25, 2017
    • Verified Reviewer

    They say they will find you insurance with you putting in your info once, but that's bull. Insurance companies keep calling you, or robocalling from a phone number that doesn't work, pissing you off to new highs. You answer, it hangs up. You call it back, someone answers, then it hangs up. Spam.

    Bottom Line: No, I would not recommend this to a friend

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  • 12 out 12 people found this review helpful

    Putting in info

    • California,
    • May 24, 2017
    • Verified Reviewer

    I thought it said that I would have to put in my info one time but after I was taken to the next site, I had to enter my info again and again which was no different from any other site. I got frustrated and just stayed with my present auto insurer that was one call, and that's all. No revolutionary special service here. Such liars!

    Bottom Line: No, I would not recommend this to a friend

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  • 23 out 23 people found this review helpful

    EverQuote rip off - don't use them

    • North Carolina,
    • May 11, 2017
    • Verified Reviewer

    Their claim is that you will fill out one set of data only (that took me 15 minutes) and you will get up to 9 quotes without doing the data 9 times.

    They also say that they will respect your privacy on your phone number and email, yet ten seconds after me pushing the button for "get quotes," I get a call from a screening agent in Kansas for Liberty Mutual and then have to give the same and more info to another person who is the licensed agent.

    The EverQuote site also automatically defaulted to another company called The Zebra, who are also insurance brokers.

    So, I have probably given out my telephone number and email to hundreds of insurance companies who paid these guys for the lead, and in spite of them promising to respect my privacy, I will get robocalls and junk mail forever on this.

    Bottom Line: No, I would not recommend this to a friend

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  • 27 out 27 people found this review helpful

    This is absolute crap

    • Seattle, WA,
    • May 2, 2017
    • Verified Reviewer

    If I could give it zero stars, I would. You enter in all your info to get car quotes, and all it does is give you links to popular insurance sites where you have to enter your information all over again. On top of that, I have been getting calls all day from random insurance companies. This site does absolutely nothing. You would be better off calling insurance companies directly.

    Bottom Line: No, I would not recommend this to a friend

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  • 20 out 21 people found this review helpful

    Waste of time

    • Nevada,
    • Apr 27, 2017
    • Verified Reviewer

    I usually don't jump on something that seems too good to be true. This is my fault for being such a sucker.

    Do NOT use the site. It's a waste of time, and moments after you submit your information, you get a phone call or two from an automated number. Complete crap. I should have read the reviews first. Stick with Esurance if you want to compare auto quotes. It's not a scam like this.

    Bottom Line: No, I would not recommend this to a friend

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  • 20 out 20 people found this review helpful

    Only if you enjoy spam

    • Washington DC,
    • Apr 26, 2017
    • Verified Reviewer

    How could I fall for this? I feel so stupid. After years of avoiding this kind of spam generator, I gave them my email address for a quote. Now I'm getting emails about male enhancements, Burger King coupons, things I qualify for or already won, and more garbage in my inbox than ever. I feel so stupid for falling for this.

    Bottom Line: No, I would not recommend this to a friend

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  • 10 out 10 people found this review helpful

    Waste of time

    • Sarasota, FL,
    • Apr 25, 2017
    • Verified Reviewer

    All you get is a bunch of insurance agents calling you asking for the same info you put on the website. Not one quote was cheaper than I have.

    Bottom Line: No, I would not recommend this to a friend

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