Auto insurance leads come from drivers who asked for a car insurance quote online. Most are already insured and shopping because their premium went up at renewal, they bought a vehicle, added a teen driver, moved, or had a ticket or accident change their rate. A smaller group is uninsured and needs coverage quickly, sometimes because they can't register a car or need a filing to get their license back.
On the first call they want a number they can compare against their current bill, and they want it fast. Auto is the most price-shopped line in personal insurance, and many of these drivers requested quotes from several places in the same sitting. Have your comparative rater open, collect drivers, vehicles and current limits quickly, and give a real quote before the conversation ends.
The value of auto insurance leads is volume and cross-sell. A bound auto policy opens the door to home, renters, umbrella and life, and households with several vehicles carry a larger premium. The hard part is competition and contactability: drivers expect a quick answer and move on if they don't get one. Filtering by incidents, homeowner status and currently insured helps you match leads to your carriers' appetite.