What does it take for an independent insurance agent to provide insurance quotes versus getting a quote in 5 minutes or less?

The difference between an independent insurance agent providing quotes and getting a quote in “5 minutes or less” (like you see advertised by online insurance companies) comes down to a few key factors: technology, data access, carrier relationships, and process automation.

Here’s a breakdown of what it really takes for an independent insurance agent to provide quotes — and why it often takes more time.

 1. Gathering Detailed Client Information

Time Required: Moderate

An independent agent typically gathers more comprehensive, personalized information (e.g., full driving history, property details, business structure, etc.) to ensure:

• Proper coverage
• Eligibility with different carriers
• Accurate risk assessment

This is often done manually via phone, email, or form — which takes time.

In contrast, “5-minute quotes” use streamlined online forms and sometimes third-party data pulls to fill in the gaps.

 2. Accessing Multiple Carriers

Time Required: Varies by system

Independent agents are not tied to one company — that’s their strength. But to provide quotes, they must either:

• Log into multiple carrier websites one by one (time-consuming)
• Use a comparative rater or aggregator platform (faster, but limited)

Some agents may be appointed with dozens of carriers, each with different underwriting rules.

Online insurers giving “5-minute quotes” typically show prices from one company (captive) or a few partners via API integrations.  Where an independent agent works with more than one company and thus will be working with multiple companies.

 3. Quoting Technology & Automation

Time Required: Depends on tools

Our Agency and most agents using modern tools (like EZLynx, PL Rating, or Tarmika) can generate quotes more quickly. These tools:

• Input client data once
• Push it to multiple carriers
• Return quotes in minutes (for personal lines auto and home only)

Without those tools, agents must quote manually — a slow process.

 4. Coverage Customization & Advising

Time Required: High (but valuable)

Unlike quick online quotes, an independent agent often:

• Reviews coverage options in detail
• Recommends limits, endorsements, or exclusions
• Explains pricing differences between carriers

This advisory role adds time but significantly improves quality and fit.

 5. Underwriting Requirements

Time Required: Can delay quotes

Some carriers require:

• Additional documentation (e.g., appraisals, loss runs)
• Manual underwriting
• Home inspections or business evaluations

This slows the quoting process and makes “5-minute quotes” unrealistic in some cases (especially for commercial lines or complex risks).