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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16 Customer Reviews for EverQuote

Average Customer Rating: 1.1
Rating Snapshot:
5 stars: 0 4 stars: 0 3 stars: 0 2 stars: 1 1 stars: 15
Bottom Line: 0% would recommend it to a friend
Showing 1-11 of 16
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  • 3 out 3 people found this review helpful

    Inundated with phone calls

    • Jefferson City, MO,
    • Apr 20, 2017

    Within minutes of submitting my request, I was contacted by an agent who then put me on hold to link me with another agent, who then had to get all of my auto/driver information that I previously provided in order to give me a quote. I received multiple calls from agencies several times and when I answered the call no one was there. I was obviously an auto dialer system.

    When I did get someone I was again transferred to an "agent," and I again had to answer all the question. It would have been less of a hassle to contact agencies individually myself.

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

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  • 1 out 2 people found this review helpful

    A scam to sell your info

    • New York,
    • Apr 19, 2017

    When I filled out the EverQoute form, I had no idea what I was getting into. I'm being bombarded with emails, and what's worse is the scam warranty calls. I receive 3-4 calls a day from scammers wanting to sell me warranties on my vehicles. They are nasty people that hang up on you when you ask them to be taken off their list, and some of them continue to keep calling you because you asked to be taken off their list.

    I have never seen anything like this. It is very aggravating and now I will have to change my cell phone number that I have had for over 13 years because these scammers will not stop harassing me. Thanks EverQuote!

    I will be contacting the BBB as well because this practice needs to stop. I would have given it 0 stars, but the app wouldn't let me.

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

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  • 3 out 3 people found this review helpful

    Very misleading, front to collect your personal information, no value proposition

    • Raleigh, NC,
    • Apr 18, 2017

    The company claims to provide you quotes for comparison; they collect all your personal information and then presents you links to key insurance companies where you have to enter all of your information again and get the information yourself. The minute I finished completing the EverQuote form and was directed to the list of links to the various insurance companies, I started getting calls from the insurance companies within minutes.

    Absolutely misleading and deceptive practices by this company. Don't go near them if you hate being solicited and just do your own research. The value proposition does not outweigh the intrusion on your privacy.

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

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  • 3 out 4 people found this review helpful

    Terrible, can't believe I fell for this

    Man! I consider myself quite tech savvy and understand how scams work online, but this foolish clickbait victim in me fell for this "Boston grads disrupt the auto industry" BS!

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

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  • 2 out 2 people found this review helpful

    Worthless

    There is no point in EverQuote. It takes all of your personal information and then pretends to give you a quote, but really it just forwards you to another insurance carrier's websites where you have to put in all your information again. Save time? No. Save money? Who knows?

    Once you've put in all your information once, who is going to sit around and put in all your information a second time to each of the websites that they send you to? Plus, it's not like they send you to carriers that you couldn't find on your own. It just routes you to the same top names every time. Seriously?

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

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  • 4 out 5 people found this review helpful

    Call after call, no message, just hang-up and call again

    • Port St Lucie, FL,
    • Apr 11, 2017

    This was the worst experience of my life shopping for anything. I got call after call without leaving messages, if I didn't answer, they hung up and call again and again later, very disrespectful.

    The company will not survive if this continues. People don't want to be called multiple times a day every day, even if you gave me insurance for free, it isn't worth the massive disruption of peace.

    I kept my insurance because I didn't want to reward disrespect.

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

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  • 11 out 11 people found this review helpful

    Ditto what others have said

    When I first dealt with this company, they were in their first iteration, and I didn't get any quotes but did get deluged with emails wanting me to either fill out more forms or contact them. Even after requests to unsubscribe, many kept coming and I started reporting them to my email client provider that they were spam, and eventually, the emails stopped. I got lots of phone calls too, "praise the Lord" for Caller ID!

    I was suspicious about the article as soon as I noticed it was reading much more like an ad than an article. After searching the name, I saw HighYa had an article about them.

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

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  • 16 out 16 people found this review helpful

    Totally scam and advertising

    I was allured to enter all my information, and it led to a page of an insurance company. It was then asking me to contact the insurance company for further details, and I received no quote at all. So why I need your EverQuote? It is totally a waste of time!

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

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  • 17 out 17 people found this review helpful

    It's a scam, please avoid

    • St. Louis, MO,
    • Feb 16, 2017

    It's totally a waste of time. They had me fill out all the information and then listed some insurance companies. However, there were no quotes, and essentially they direct you to other insurance company websites.

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

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  • 18 out 18 people found this review helpful

    Request for quote from EverQuote results in many spam emails

    I submitted a quote request for car insurance, and now I get 8-9 spam emails a day. I know it was from them because as I created an email address just in case they were spammers. Do not trust them!

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

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  • 15 out 15 people found this review helpful

    Total scam

    • North Carolina,
    • Feb 10, 2017

    They promise anonymous reviews, but it is not so. You get badgered by some call service you apparently indicated that you agreed to. I did get one real quote, which was way higher than I pay now. Stay away.

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

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