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Drivers actively shopping after a rate increase, a new vehicle or a change in household circumstances.
Auto insurance is one of the few categories where a consumer will pick up the phone unprompted. Premiums are reviewed on a renewal cycle, they move sharply when a driver adds a vehicle or moves state, and the switching cost is close to zero. That combination produces a steady population of people who are not browsing, they are comparing, and they expect to speak to somebody. A call placed in that window converts at a rate that display and untargeted form fills rarely reach, because the consumer has already accepted that a conversation is part of the process.
The difficulty is that the same conditions attract enormous competition. Rate-shopping keywords are among the most expensive in consumer search, and the margin between a profitable call and an unprofitable one is thin. Buying on volume alone reliably loses money. What makes the channel work is the discipline applied before the call is ever routed: the right geography, the right coverage status, and a caller who understands who they are about to speak to.
We build auto campaigns around the moments that actually move a premium, renewal notices, a first policy for a new driver, a vehicle purchase, a lapse in coverage, an address change across state lines. Creative speaks to the specific situation rather than to a generic 'save on car insurance' promise, which produces a caller who is ready for the questions an agent will ask instead of one who expected a number on a screen.
Before a call reaches a buyer it passes an IVR screen that confirms the caller is in an eligible state, is the policy decision-maker, and is shopping now rather than researching for later. Calls that fail any of those checks are not routed. That is deliberate: a buyer who receives fewer, better calls will keep the campaign running, and a buyer who receives everything will churn inside a month. Our economics only work on the first outcome.
Auto insurance sits squarely inside TCPA enforcement, and the regulatory position on consent has tightened rather than relaxed. Every consumer in our auto campaigns reaches a disclosure that names the party they are consenting to be contacted by, in language they can reasonably read, before any contact takes place. We retain the record of that consent, the page, the timestamp, the disclosure text as served, and we produce it on request.
We also review the path a consumer took to reach the form, not just the form itself. A compliant disclosure sitting underneath a misleading promise is not a compliant journey, and it is the kind of thing that surfaces in a complaint long after the campaign has ended. Publishers who cannot show us that path do not run auto traffic with us.
Auto works best for buyers with licensed capacity across multiple states and an agent team ready to quote on the call. The channel rewards speed of answer more than almost any other.
Set at onboarding and written down. Changing any of it is a conversation, not a silent adjustment.
Yes. Geography is a hard filter, not a preference. Campaigns run against the states you are licensed in, and can be narrowed further to DMA or ZIP radius where your agent coverage is uneven.
Tell us which side you are on and what you are trying to grow. We will come back with a scoped test campaign, the filters we would apply, and what we would need from you to run it properly.
Start on a capped test campaign. If the calls do not meet the standard we agreed, you do not pay for them.
Or call +1 (866) 555-0142 during Monday to Friday, 9:00 AM to 6:00 PM ET