For auto & home insurance agents

Exclusive leads, with the consent proof attached.

Realtime auto and home leads sold to you only, posted to your CRM in seconds. Every one carries its TrustedForm certificate, a Jornaya LeadiD, or both, plus the exact words the shopper agreed to.

Get a test batch See a sample lead

1 buyer: Per realtime lead
100%: With TrustedForm, Jornaya, or both
Seconds: API, webhook, or email
7–30 days: Aged leads, too

VQ-RT-8F3K2M9XDelivered · 2.8s

Dana S. · Auto · Austin, TX 787042021 Toyota RAV4 · Insured 36 months · Homeowner

Sold to: 1 buyer (you)
Consent token: TrustedForm + Jornaya
Partner list: You’re listed
Phone: Mobile · valid
TCPA litigator: Not listed
Duplicate, 30 days: None

POST your-crm.com/leads → 200Sold 1 of 1

Sound familiar?

You called in under a minute. Four agents called first.

01“I already got a quote,” before you finish your name.
02Half the numbers ring to a voicemail box nobody ever set up.
03Someone swears they never filled out a form, and your vendor stops answering email.
04You paid exclusive prices and still hear “you’re the third call today.”

What you actually want

People who asked for a quote, remember asking, and haven’t heard from anyone else. Plus a record that proves it.

What you’ve tried

Three ways agents buy leads, and where each one breaks

Shared lead marketplaces

Sold to 3–8 agents

Cheap per lead, sold to several agents at once. You race call centers running power dialers, and the shopper stops picking up after the third ring.

Breaks on: exclusivity

“Exclusive” lead vendors

Exclusive, proof on request

Better contact rates. But ask for proof the shopper agreed to a call and you often get a spreadsheet row with a timestamp.

Breaks on: proof

Running your own ads

Your budget, plus your weekends

You control the source. You also pay the most per lead, write the consent language, fix the landing page, and fight form spam on Saturday mornings.

Breaks on: cost and time

The real problem

It’s not how fast you dial. It’s that you can’t see where the lead came from.

Shared leads, pricey “exclusive” leads, and your own ads all break the same way: you can’t see the page the shopper was on, what they typed, or what they agreed to. So you can’t judge a lead before you dial, and you can’t defend the call after. More speed doesn’t fix that. A record does.

The cost of guessing

What one lead without proof can cost you

$500

Per call or text under the TCPA when you can’t show the consumer agreed to be contacted.

$1,500

Per call or text if a court finds the violation willful or knowing.

$18,000

One disputed lead, worked through a normal 12-touch follow-up, at the willful rate.

Figures from 47 U.S.C. § 227(b)(3). This is not legal advice. Ask your own counsel about your calling and texting practices.

It’s already happening

Three cases where the consent didn’t hold up

~$30Mexposure
Ward v. Liberty Mutual · D. Mass. · June 2026
A carrier bought leads from a lead vendor, who bought them from a website. The website never listed the carrier as a company allowed to call. The court certified a class of about 20,000 people who got prerecorded calls. The carrier also sued its lead vendor for $1.36 million.
The gap: the company calling wasn’t named on the form.
$19Msettlement
Mantha v. QuoteWizard · D. Mass. · 2025
An insurance lead company texted shoppers on the Do Not Call list, relying on consent collected on partner websites. Those pages never mentioned the company by name. The class covered 66,693 phone numbers.
The gap: the company calling wasn’t named on the form.
$2.5Mpenalty + robocall ban
FTC v. Fluent · 2023
A lead generator collected “consent” on free-reward and job-offer websites, then sold more than 620 million leads to telemarketers. The FTC called these sites consent farms.
The gap: the shopper came for a prize, not a quote.

From court filings and FTC announcements. Class certification and settlements are not findings of liability. Not legal advice.

What we promise instead

Every lead answers the questions those cases turned on.

Who was the shopper told would call? What did they agree to? Where did they agree to it? You get the answer with the lead, before you dial.

You’re on the list first

The consent names VeroQuote and links to the form’s partner list. Your agency is on that list before your first lead, and we keep a dated copy of every change as proof.

No consent token, no lead

Every lead carries a TrustedForm certificate, a Jornaya LeadiD, or both. A lead with neither is never sent, so you never pay for one.

The exact words

The consent text, word for word, with the time, IP address, device, and page URL.

A quote form, not a prize page

Shoppers come to a form that asks about auto or home insurance. No sweepstakes, surveys, or free-sample offers.

One buyer per realtime lead

Sold to you, then closed. Nobody else gets the call.

Checked before it’s sent

Phone validated, duplicates removed, known TCPA litigators scrubbed out.

The offer

Leads that arrive with their own receipt

Two products. The same consent record on both.

Realtime · exclusive

Fresh leads, sold once

Sold once, to you. Posted to your system within seconds of the shopper pressing submit.

Your agency on the partner list the shopper agreed to
Your states, ZIP codes, hours, and daily cap
Sold to you only. Not resold.

Aged · 7–30 days

Recent leads, lower cost

Leads from the last 7 to 30 days, with the original consent record. A low-cost list for dialers and follow-up campaigns.

Mixed: some exclusive, some shared. Each record says which.
See who the shopper agreed to hear from before you dial
Pull by API or download a CSV

Every lead includes: TrustedForm certificate, Jornaya LeadiD, or both · exact consent text and timestamp · IP address and device · page URL · phone line-type check · 30-day duplicate check · TCPA litigator scrub. Pricing comes with your test batch.

How it works

Three steps from a shopper’s click to your CRM

Set your filter

Pick states, ZIP codes, auto or home, and a daily cap. Set delivery hours so leads only arrive when someone can call.

A shopper asks for a quote

They fill out an insurance quote form and agree to be contacted by VeroQuote and its listed partner agencies, including you. TrustedForm, Jornaya, or both record the session. We check the phone, look for duplicates, and scrub known TCPA litigators.

It lands in your CRM

We post the lead to your API, webhook, or inbox in seconds, then mark it sold. A realtime lead goes to one buyer: you.

The first thing you get

This is what lands in your CRM

A real lead record, with fake data. Every field you see here arrives on every realtime auto lead.

POST https://your-crm.com/leadsapplication/json

{
  "lead_id": "vq_rt_8f3k2m9x",
  "product": "realtime",
  "exclusive": true,
  "line": "auto",
  "created_at": "2026-09-26T14:02:11Z",
  "delivered_at": "2026-09-26T14:02:14Z",
  "contact": {
    "first_name": "Dana",
    "last_name": "Sample",
    "phone": "+15125550142",
    "email": "dana.sample@example.com",
    "address": "1200 Example St",
    "city": "Austin",
    "state": "TX",
    "zip": "78704",
    "homeowner": true
  },
  "current_coverage": {
    "currently_insured": true,
    "carrier": "Progressive",
    "months_insured": 36,
    "renewal_date": "2026-11-01"
  },
  "vehicles": [
    {
      "year": 2021,
      "make": "Toyota",
      "model": "RAV4",
      "ownership": "financed",
      "primary_use": "commute"
    }
  ],
  "drivers": [
    {
      "age": 41,
      "marital_status": "married",
      "incidents_3yr": 0,
      "license_status": "valid"
    }
  ],
  "consent": {
    "trustedform_cert_url": "https://cert.trustedform.com/2f9c7d0e5b1a4e41a",
    "jornaya_leadid": "A1B2C3D4-5E6F-4A8B-9C0D-1E2F3A4B5C6D",
    "consent_text": "By clicking \"Get my quotes,\" I am providing my electronic signature and express written consent for VeroQuote and the partner companies listed on this site to call and text me at the number I provided about auto insurance quotes, including with automated dialing technology and prerecorded or artificial voice (including AI), even if my number is on a federal or state Do Not Call list. Consent is not a condition of any purchase. I can revoke consent at any time by any reasonable means, including replying STOP. Message and data rates may apply.",
    "partner_list_version": "2026-09-26",
    "buyer_on_partner_list": true,
    "consented_at": "2026-09-26T14:02:09Z",
    "ip_address": "203.0.113.24",
    "user_agent": "Mozilla/5.0 (iPhone; CPU iPhone OS 18_6 like Mac OS X)",
    "page_url": "https://example-quote-site.com/auto"
  },
  "checks": {
    "phone_valid": true,
    "phone_line_type": "mobile",
    "email_deliverable": true,
    "duplicate_30d": false,
    "tcpa_litigator": false,
    "federal_dnc": false
  }
}

trustedform_cert_url · jornaya_leadid

At least one is always there. Open the TrustedForm link to watch a replay of the shopper filling out the form, or look up the LeadiD with Jornaya.

consent.consent_text

The exact words next to the button they pressed, and the time they pressed it.

consent.partner_list_version

Which dated copy of the partner list was in effect when the shopper agreed. Your agency is on it.

checks

What we verified before sending. Leads that fail a check are not sent.

current_coverage

Carrier, months insured, and renewal date, so you know when to call back.

line: "home"

Home leads carry property fields instead of vehicles: year built, square feet, roof age, and current home carrier.

What changes

Day one, and month three

Day one

Leads post to your CRM with the TrustedForm link or Jornaya LeadiD on the record.
You check a few and see exactly what each shopper filled out.
Your team calls people who asked for a call, while they still remember asking.

Month three

You know your cost per quote and per bound policy, by state and ZIP.
You raise caps where leads bind and cut the ZIPs where they don’t.
Every lead in your book has a consent record you can hand to anyone who asks.

Proof

We’re new. Here’s proof that doesn’t ask you to trust us.

You won’t find made-up testimonials on this page. Here are two things you can check yourself before you spend real money.

Proof 1

Check the consent token

Every lead carries a TrustedForm certificate, a Jornaya LeadiD, or both. Open the TrustedForm link to watch the shopper fill out the form, or look up the LeadiD with Jornaya. Keep them in your own accounts and the record stays with you, even if you stop buying from us.

Proof 2

Run a test batch

Start small at the normal price. Track answer rate, quotes, and binds in your own CRM, with your own team. Buy more only if your numbers say so.

The work

What happens in the three seconds before a lead reaches you

Example timing for one realtime auto lead.

00.00sShopper submits a quote formform received
00.05sTrustedForm certificate and/or Jornaya LeadiD issued; consent text and page capturedtoken ok
00.40sPhone checked: valid number, line type, carriermobile
00.60sEmail checked for deliverabilitydeliverable
00.80sDuplicate check against the last 30 daysnew
01.10sTCPA litigator scrubnot listed
01.30sMatched to your filter: state, ZIP, line, hours, capmatch
02.80sPosted to your endpoint200 OK
02.81sMarked sold to you. Removed from realtime inventory.closed

What we throw out before it reaches you

Invalid or disconnected numbers
Duplicates
Known TCPA litigators
Submissions with no TrustedForm or Jornaya token
Leads outside your hours or filters

The details

How delivery, filters, and billing work

Delivery: HTTPS POST in JSON or form-encoded fields, a webhook, or email. Aged leads can also come as a CSV. Failed posts retry, and every attempt is logged with your response code.
Works with: Anything that accepts a webhook or a lead email: AgencyZoom, HubSpot, Salesforce, Zapier, and most dialers. We map fields to your system during setup.
Filters: State, ZIP code, line (auto or home), currently insured, homeowner, number of vehicles, delivery hours, and daily and hourly caps.
Fields: Contact and address, current carrier and months insured, renewal date, vehicles and drivers or property details, the full consent record, and the result of every check.
Billing: Prepaid balance. Each lead is charged when it’s delivered. You get a low-balance alert before delivery pauses.
Returns: Disconnected number, wrong person, or a duplicate you already bought? Return it within 72 hours for a credit.
Aged leads: 7–30 days old. A mix of exclusive and shared; each record says which and carries the original consent text. Pull by API or download a CSV.

Side by side

Who else gets the lead, and what proof comes with it

Source	Who else gets it	Consent proof you receive
VeroQuote realtime	Nobody	TrustedForm or Jornaya token, consent text, and a dated partner list with your agency on it
VeroQuote aged (7–30 days)	Marked on each lead	TrustedForm or Jornaya token, and the original consent text
Shared lead marketplaces	Often 3–8 other agents	Rarely passed to you
Exclusive lead vendors	Nobody	Often on request only
Your own Facebook or Google ads	Nobody	Whatever you build

What you’re not risking

No contract. Start small. Keep the records.

No contract

Prepaid, pay as you go. Stop any time.

Start small

Run a test batch before you commit to volume.

Credits for bad leads

Disconnected number, wrong person, or duplicate? Return it within 72 hours.

The record stays yours

Keep the TrustedForm certificate or Jornaya LeadiD in your own account. It doesn’t leave when you do.

For your partner or office manager

How to explain it in thirty seconds

“We’re testing a lead source that sells each realtime lead to us only. Our agency is on the partner list the shopper agrees to, and every lead comes with a TrustedForm certificate or Jornaya LeadiD, so if someone says they never asked for a call, we can pull up the record of them filling out the form. We’re starting with a small batch and tracking cost per bound policy.”

Or the short version

Exclusive, and we’re on the consent list.
If they say they never asked, we can show the form they filled out.
Small test first. Then we scale what binds.

Next step

Tell us your states. We’ll set up a test batch.

Fill this out and we’ll reply within one business day with a sample lead record, the full field spec, your pricing, and a test batch for your area.

01We reply within one business day.
02You get a sample record, the field spec, and pricing.
03You approve a small test batch. No contract.