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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35 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:  34
Bottom Line: 3% would recommend it to a friend
Showing 1-11 of 35
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  • 1 out 1 people found this review helpful

    EverQuote is no good

    • Livonia, MI,
    • Aug 20, 2017
    • Verified Reviewer

    EverQuote claims to shop all of the companies for the best price for auto insurance. So you don't have to go to each company and re-enter all of your information. This is not true! You still have to enter your information over and over again. I had several co-workers try it, and every single time the lowest quote came from Geico. This leads me to believe this is just a Geico sight.

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

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  • 1 out 1 people found this review helpful

    They sell your information - middle man making a cut

    • Detroit, MI,
    • Aug 20, 2017
    • Verified Reviewer

    You type in all your information, and this takes you to a screen with possible quotes from companies. When you click on the link, you have to re-enter all your information again with the insurance company.

    Literally, five minutes goes by, and I have 15 emails from insurance companies, and they keep coming. What the heck! I had to go unsubscribe from all and block.

    Do not use; they will sell your information as soon as you type it. I'm glad I used a fake number!

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

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  • 3 out 4 people found this review helpful

    Disappointed in website and privacy

    • Illinois,
    • Aug 4, 2017
    • Verified Reviewer

    Little did I expect to be inundated with phone cold calls and spam emails from a plethora of insurance company representatives wanting to sell me insurance.

    You do not just get quotes sent to you. They want you to fill out oodles of forms for each potential quote, talk to a sales person, give personal information, etc., etc., etc.

    Awful, wasteful experience.

    Go with a reputable insurance "broker" that represents several insurance companies. Let them search the best deal for you.

    EverQuote, in my opinion, sucks.

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

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  • 3 out 4 people found this review helpful

    Total waste of time!

    • Tampa, FL,
    • Jul 27, 2017
    • Verified Reviewer

    After entering all the exact information needed I got one quote from the same company I have for MUCH MORE! I then kept receiving emails of new quotes, and there wasn't any difference; same crap over and over.

    DON'T waste your time.

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

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  • 5 out 7 people found this review helpful

    Total waste of time for false info

    I was getting reports that in Montana, insurance companies were overcharging and insurance should not cost more than $19.00 a month for drivers with good records, no tickets, accidents, good credit, etc. I never got a good or better quote, and renter's insurance quotes were much higher than I have ever had. I had to enter info multiple times, and phone calls started immediately and nonstop.

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

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  • 10 out 11 people found this review helpful

    Complete waste of time

    • Kentucky,
    • Jul 4, 2017
    • Verified Reviewer

    I entered all my information into the service. All I get are three emails a day routing me to the State Farm's website, where I have to re-enter all my information to get a quote. Don't waste your time for something you can do on your own.

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

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  • 8 out 15 people found this review helpful

    Warning

    • Michigan,
    • Jun 27, 2017
    • Verified Reviewer

    Complete lead generation machine. No actual insurer. They harvest your data and then dump you off to a broken link. Please be sure not to do business with any of the local agents that are buying the leads from EverQuote.

    Don't feel bad if they got you. They got me, and I work in internet marketing. It's a shame to see these shady marketers who are destroying trust between electronic information and the final user's ability to rely on that information.

    Bottom Line: Yes, I would recommend this to a friend

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  • 13 out 14 people found this review helpful

    Stay away from this company

    • Saint Augustine, FL,
    • Jun 24, 2017
    • Verified Reviewer

    Do not do this. I have been getting 30+ phone calls a day from companies/telemarketers non-stop. All they are doing is selling your info. That is their business. Such a shame that these people exist and they should be stopped.

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

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  • 18 out 19 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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  • 20 out 21 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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  • 23 out 24 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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