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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48 Consumer Reviews for EverQuote

Average Consumer Rating: 1.0
Rating Snapshot:
5 star: 0 4 star: 0 3 star: 0 2 star: 1 1 star:  47
Bottom Line: 2% would recommend it to a friend
Showing 1-11 of 48
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  • Massive sales calls

    They advertise that they can get you a bunch of quotes online, but what you get is a bunch of sales calls that just keep coming. Stay away from this site if you value your time. The terms and conditions do not clarify, in my opinion, that you will receive sales calls.

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

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  • 1 out 1 people found this review helpful

    Terrible service

    • Newark, CA,
    • Oct 18, 2017
    • Verified Reviewer

    Why? Why? Why? Why in the heck did I provide my contact info to this company?

    I just wanted a few online quotes. Instead, they started calling me literally right after I submitted my information. They must have a software program hooked up to their phones that automatically dials your phone right after your info is received. Three phone calls in 3 minutes!

    I told them I would like the quotes emailed to me. I thought that's what I was going to get, not phone calls. They said they were calling to get more info for a detailed quote or some B.S. You don't need more info. Just provide my options to me electronically as I've provided you enough information already to do so. Don't bother me at work.

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

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  • No quotes, just forwarded to other websites

    I filled in all of the personal information that they requested. They say they respect your privacy, yet 30 seconds after I entered my telephone number, THEY CALLED ME! I respectfully told them I just wanted an online quote and not to call me back.

    The website then came up with two companies in my area, Progressive and Elephant, even though I know that there are several agents near me including StateFarm, Erie, and Allstate.

    After clicking on the links, I had to re-enter 75% of the same information on those websites and even more information that EverQuote didn't ask for.

    All said and done, both quotes were higher than what I currently pay as a StateFarm customer for over 5 years with lower coverage amounts and higher deductibles, and didn't include rental car reimbursement, medical coverage, or towing.

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

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  • 5 out 5 people found this review helpful

    Not online quotes, calls from agents!

    • Oklahoma,
    • Oct 9, 2017
    • Verified Reviewer

    I never received online quotes after putting in ALL information, just CALLS from agents! I expected them to provide the quotes, not calls.

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

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  • 3 out 4 people found this review helpful

    What happened to the promise of privacy?

    I filled out most of the forms, including my home phone, and then I decided to back out of the inquiry. Backed out, I did, by closing the browser.

    But within seconds, my home phone was ringing with an AARP related phone number (I had to look it up on 800notes.com) and no sooner had I blocked it, and then the phone rang again. But the call did not come through (no ID either) since it was from a blocked number.

    I have had USAA coverage for decades, but I do every year or so get competitive quotes to see if USAA is still the bargain I think it is.

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

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  • 6 out 6 people found this review helpful

    I'm an idiot

    I'm an idiot because I handed over my info. Periodically I get the idea to "try" on these online comparison sites. EVERY time it's the same thing; a garbage site that gets my info and then the calls and emails start. They don't do what they say they will do. Here's an idea; create a site that ACTUALLY gives you quotes to compare.

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

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  • 9 out 9 people found this review helpful

    Waste of time

    I thought why not. I love giving local businesses a chance. I took the time to fill out all my info and three other drivers only to be sent to progressive to start the process all over again. Wow! I'll never get that time back.

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

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  • 15 out 15 people found this review helpful

    Click-bait ads with no actual quotes

    • St Pete Beach, FL,
    • Sep 25, 2017
    • Verified Reviewer

    Click-bait ads lure you in with what looks like an article on a new disruptive technology. Shame on me for not noticing that the "article" was actually on EverQuote's website. I'm usually more perceptive than that, but I guess I'm not fully awake this Monday morning.

    So I put in my info and submitted. After a few seconds, I got a button to click to get my comparison quotes. I clicked it and got a list of 4 other comparison sites where I could go enter my information again. Within 30 minutes, I started getting calls and text messages from agents in my area, all of whom needed more information and none of whom were lower than my current insurance provider.

    Nothing disruptive about this technology, just typical lead generating software using click-bait ads. No more ad clicking for me until I've had my morning coffee.

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

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  • 11 out 11 people found this review helpful

    Scummy business.

    • Chicago, IL,
    • Sep 22, 2017
    • Verified Reviewer

    I tried their service, mainly for a laugh, and laugh I did once I started to see how shady their services are. Any person who uses Taboola or Outbrain should be given a D on Better Business Bureau, but we will never see that happen. Shame on them. Them and their clickbait advertising.

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

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  • 15 out 15 people found this review helpful

    Scam

    • Schererville, IN,
    • Sep 13, 2017
    • Verified Reviewer

    This is the second time that I have been lured into using EverQuote for leads. Both times now I have run into not just terrible leads, but when I try and return them, they are rejected. Rejected for disconnected phone numbers? Not having prior insurance (does not meet the filter)? Not living at the address?

    In my first run-around with them I received 106 leads of which 54 were returned and of the 52 remaining not one sale has been made. I spent more time running down the returns than any clerk in an office should ever spend time doing!

    These people are thieves and they don't care about anything other than getting your money and then giving you hope and reasons as to why you should stay with them. The whole time they're doing their dance to keep you while the same things are happening over and over again.

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

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  • 21 out 21 people found this review helpful

    Its a con

    • Fort Lauderdale, FL,
    • Sep 1, 2017
    • Verified Reviewer

    They lure you in with Clickbait, implying it's a "disruptive" technology. The truth is they just push your info to a spam machine. Each email arrives suggesting you have a quote, only it's not a quote, it's a cheezy URL to a website that starts you entering in the same info you entered into the original website. After endless spam emails and entering the same info over and over I still never got a real usable quote.

    This is a waste of time, the type of fake business they use to sell to some dumb investors. No value whatsoever.

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

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