What are the leading systems for automating rate quotes from multiple carriers?
A comparative rater is a useful starting point for the carrier, line, and state combinations it supports. Examples include EZLynx Rating and PL Rating for personal lines, and commercial tools such as Tarmika and Semsee. Browser automation can help with additional supported portal work. Compare the part of your agency's quoting process each tool actually completes, including what remains after a rate comes back.
| System | What it rates | How it connects |
|---|---|---|
| EZLynx Rating | Personal lines, including home and auto | Comparative rating within the EZLynx platform; verify the carriers, products, and states you need |
| PL Rating (Vertafore) | Personal lines, including home and auto | Comparative rating with carrier bridges and AMS integration options |
| QuoteRUSH | Home, auto, and flood | Single-entry rating that works through carrier websites |
| Tarmika | Commercial lines, including BOP, workers compensation, auto, and general liability | Single-entry quoting with available carriers and lines |
| Semsee | Small commercial | A shared application for supported markets; binding and market-access paths vary |
| Portal automation (Relay) | Configured carrier browser workflows | Uses reviewed source information to work the selected portal and return results for review; availability depends on the exact workflow |
The longer version
Start with your appointment list, business lines, states, and actual quoting volume. Ask which combinations the tool supports today and what happens when a carrier needs additional information. A long carrier list is useful only where it overlaps with your work.
Walk through a full case rather than stopping at an initial price. A rater may save entry time while still requiring checks in a carrier portal. A browser task may handle a configured portal but need a person for login, missing information, or approval. Include those steps in the comparison.
Relay works supported browser workflows from the client information and documents you provide. Keep using the rater steps that already save time, and confirm support before relying on Relay to reopen or complete an existing bridged quote.
Measure hands-on preparation, entry, review, corrections, and total turnaround. Count any work that must be repeated in another system. The goal is a reviewed result for your client, not the shortest animation or the most carrier logos.
Common questions
Do comparative raters cover every carrier we use?
Support varies by carrier, line, state, and product. Confirm the current combinations that matter to your agency and test their actual output.
What is the difference between a rater and portal automation?
A rater retrieves rates through the connections it supports. Portal automation works in a carrier website. Both need the right information, access, and a review of the resulting quote.
Can Relay finish a quote that already exists in a portal?
Confirm that specific carrier and existing-quote workflow before planning around it. General quoting support does not establish support for every bridge or quote-reopening path.
Is a rater the same as an AMS?
No. A rater helps obtain quotes. An AMS manages client, policy, and activity records. Some vendors offer both in the same platform.
Related questions
Source notes
- EZLynx: comparative rating
- Vertafore: PL Rating product guide
- QuoteRUSH: product capabilities
- QuoteRUSH: carrier website rating
- Tarmika: commercial lines quoting
- Semsee: agency quoting workflow
Sources checked 2026-09-05. Product details can change.
Part of the Relay straight answers library. Updated 2026-07-11. See how we source content.
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