What is multi-carrier quoting?
Multi-carrier quoting means obtaining options for the same risk from several carriers so you can compare their terms. An agency may use a comparative rater, work directly in carrier sites, or combine those methods with supported browser automation. The important result is a useful comparison of coverage and price, not simply the number of quotes.
| Approach | How it works | Trade-off |
|---|---|---|
| Comparative rater | One set of applicant information is used across supported carrier connections | Availability varies by carrier, line, state, and risk |
| Carrier portals directly | Log in and key the application into each carrier | Availability depends on appointments, state, line, and carrier portal |
| Portal automation (Relay) | Reviewed source information is used in selected configured carrier workflows | A person handles checkpoints and checks the returned result |
The longer version
Begin with carriers your agency can access and that may fit the risk. Keep the requested term and coverage choices clear so you can understand how the returned options differ. A lower premium alone is not a complete comparison.
A carrier may quote, decline, refer the risk, or request more information. Keep those outcomes separate. An initial rate with outstanding conditions should not look identical to a quote that is ready for the next authorized step.
Raters can reduce repeated entry for their supported connections. Some work may still happen in the carrier site, such as answering additional questions or reviewing details. Test where browser assistance reduces that work without making you repeat the whole case.
Relay works configured carrier browser tasks from the information and documents available to the task. Confirm the workflow, handle necessary checkpoints, and compare the returned details with the carrier source. Use the reviewed options to prepare your recommendation and proposal.
Common questions
Is a comparative rater the same as multi-carrier quoting?
It is one way to obtain multiple quotes. An agency can also work directly in carrier portals or use supported browser automation.
How many carriers should we quote?
Use your agency's market selection process, the client's needs, and the risk. The aim is a meaningful comparison, not an arbitrary number of carriers.
Does every selected carrier return a quote?
No. A carrier may decline, refer, or request more information. Review each outcome before presenting options.
Is Relay a comparative rater?
Relay works configured carrier browser workflows. It can complement the rater your agency uses, with support confirmed for the carrier, line, state, and task.
Related questions
Source notes
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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