# EZLynx vs Vertafore PL Rating vs Applied Epic Quotes: 11 Best Comparative Rating Software 2026

> The best comparative rating software for most independent agencies is EZLynx Rating Engine, followed by Vertafore PL Rating and Applied Epic Quotes. Those three are personal lines raters. For commercial lines, CoverForce, Semsee and QuoteSweep publish prices on the pages we opened. Most other tools here show no price and sell by demo.

- URL: https://topelevens.com/comparative-rating-software
- Last verified: 2026-10-27
- Methodology: https://topelevens.com/methodology
- JSON: https://topelevens.com/api/lists/comparative-rating-software · CSV: https://topelevens.com/api/lists/comparative-rating-software/csv

## Ranking

### #1 EZLynx Rating Engine · 8.2/9.4
- Best for: Independent agencies that write mostly home and auto, want one rater with the largest carrier list we could confirm, and may also want commercial submissions in the same system.
- null · founded null · Quote only. No price on the pages we opened; the site offers a free trial (length not stated) and a special pricing form.
- EZLynx ranks first because its pages show the widest personal lines reach we could confirm, over 330 carriers across 48 states, plus a commercial submissions workflow on the same platform.
- Pro: The rating page lists single data entry, prefilled carrier questions, text and website quoting, quote comparison views and interactive proposals. Prefill sources named are LexisNexis, Fenris, MSB and Google Maps. A free trial is offered.
- Con: No price appears on any page we opened, only a form for special pricing. The rating page describes home and auto and gives no detail on commercial lines. The trial length is not stated.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

### #2 Vertafore PL Rating · 8.1/9.4
- Best for: Personal lines agencies on AMS360, Sagitta or QQCatalyst that want instant bind in the rater and a fast setup.
- null · founded null · Quote only. No price or trial on the pages we opened; the page offers a demo and a phone number.
- PL Rating ranks second on the strength of its workflow list and its connections. The page shows 300+ carrier partners, instant bind in the rater, and links to AMS360, Sagitta, QQCatalyst and over 20 other management systems.
- Pro: The page lists an interview-style workflow, unlimited quote templates, instant bind in rater, data prefill, dynamic question sets, reserve quote in market and website quotes. Vertafore's own comparison table gives setup as days, against weeks for other personal raters.
- Con: The carrier count appears three ways on one page: 300+, 320+ and 300+ personal lines carriers. Lines are given as home, auto and other lines that depend on state. No price and no trial are shown. The setup comparison is Vertafore's own.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

### #3 Applied Epic Quotes · 7.6/9.4
- Best for: Agencies on Applied Epic that want personal lines quotes, including umbrella, flood and renters, from inside the management system.
- null · founded null · Quote only. No price or trial on the page we opened.
- Epic Quotes ranks third because it states the highest insurer count we found for a personal lines rater, more than 525, and it runs inside Applied Epic with prefill from the system.
- Pro: The page lists prefill from Applied Epic, third-party data augmentation such as LexisNexis, and an agency-branded proposal tool. Products named include boat, trailer, renters, umbrella, condo, dwelling fire, flood and toys, not only auto and home.
- Con: The page is described as a personal lines rating application and does not mention commercial lines. The URL still says applied-rater while the page is titled Epic Quotes. The page does not say whether it can be bought without Applied Epic. No price is shown.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

### #4 CoverForce · 7.4/9.4
- Best for: Independent agencies that quote small commercial on their own appointments and want a published monthly price with a quote limit.
- null · founded null · $$ (Independent Agency $99 per month after a 60-day introductory credit, 100 quote submissions a month, month to month; Startup and Enterprise are custom)
- CoverForce ranks fourth because it is one of the few commercial tools on this list with a real price on its page, and it lists quote and bind across 20+ carriers on the agency's own appointments.
- Pro: The pricing page states $99 per month after a 60-day introductory credit, 100 quote submissions a month, no term. The home page lists 60+ carrier and MGA integrations and a 2026 carrier index of 63. The FAQ names commercial auto, general liability, cyber, workers' comp, BOP, crime, D&O, EPLI and professional liability.
- Con: The count is 20+ carriers on the Independent Agency plan, 60+ on the home page and 63 in the index, and the pages do not reconcile them. No agency management system is named. The page leans on AI agent language and gives few workflow details.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

### #5 TurboRater · 7/9.4
- Best for: Personal lines agencies that want a long-established rater with reports on closing ratios by producer and carrier trends.
- null · founded null · Quote only. No price or trial on the pages we opened; the pages offer a demo.
- TurboRater ranks fifth. It states a single-entry workflow that flags ineligible risks, but it lists fewer carriers than the first three and shows no price.
- Pro: The Zywave page lists real-time rates supported by underwriting rules, flags for ineligible risks and prior approval, and reports showing closing ratios by producer or location and carrier usage trends. Lines named are auto, homeowners, condo, renters, dwelling fire and motorcycle.
- Con: Systems are described only as many leading agency management systems, with none named on the pages we opened. State coverage is not given. No price or trial is shown. The turborater.com footer credits Insurance Technologies Corporation while Zywave sells the product, and the pages do not explain the link.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

### #6 Bold Penguin · 6.9/9.4
- Best for: Commercial agents who want market access with no new appointments and are willing to take a sales process to learn the price.
- null · founded null · Quote only. The page describes three models: a percentage of direct written premium, a platform fee, or a mix of the two.
- Bold Penguin ranks sixth. It reaches 40+ carriers across 30+ lines in all 50 states with no appointment or production minimum, but the price is not public and partner setup is long.
- Pro: Agents can quote and bind through North Peak Access with no new appointments and no minimums. Submissions come in by email, PDF, ACORD or API and are turned into structured data. The page says commission terms are unchanged.
- Con: No dollar price is shown, only the three pricing models, and implementation fees vary by scope. The page says partner integrations typically take 60 to 90 days. No agency management system is named; a Salesforce testimonial is the only integration example.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

### #7 Semsee · 6.8/9.4
- Best for: Small commercial agents who want a free starting plan, an appetite checker and a $50 per user paid plan.
- null · founded null · $ (Essential $0; Professional $50 per user per month; Enterprise contact sales)
- Semsee ranks seventh. It has the clearest price ladder on this list, including a $0 plan, but its pages give no carrier count and name only small commercial BOP as a line.
- Pro: Essential is $0 and includes appointed carrier access, a real-time appetite checker, ACORD form upload and creation, and submission to multiple carriers in one app. Professional adds direct quoting on appointed carriers, a NAICS tool and a class code finder. The home page lists proposals and bind in platform.
- Con: The pages give no carrier count and only link to a carrier list. The agents page does not list lines in text, and the home page names small commercial BOP only. No agency management system integration is mentioned. The pricing page does not mention a trial or usage limits.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

### #8 Zywave Enterprise Quoting · 6.8/9.4
- Best for: Large agencies, brokerages and MGAs that want every carrier panel and line in one configurable interface and can plan a multi-month rollout.
- null · founded null · Quote only. No price or trial on the page we opened; the only call to action is a demo request.
- Zywave Enterprise Quoting ranks eighth. It claims 1,200+ carrier partnerships and every line in one interface, but it is built for large panels, with a stated deployment time of 6 months or more.
- Pro: The page says it consolidates a carrier panel and all lines into one interface, keeps existing appointments, and connects to a CRM or agency management system through API. The page claims a 75% cut in quoting time and 45+ minutes saved per quote.
- Con: The page says full deployment takes as little as 6 months while its FAQ says 6 to 9. The page lists employee benefits as a line, yet the FAQ says benefits support is on the roadmap. No price is shown, and the savings figures are the vendor's own.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

### #9 Vertafore Commercial Submissions · 6.5/9.4
- Best for: Commercial agencies already on AMS360 or Sagitta that want quotes and binding for five core lines from within the system.
- null · founded null · Quote only. No price or trial on the page we opened; the page offers a demo and an info request.
- Commercial Submissions ranks ninth because its reach is smaller than the leaders: 25+ carriers across 5 commercial lines, and only two management systems today.
- Pro: The page lists an interview-style workflow, E&S quoting, instant bind in the rater, prefill and dynamic questions. Vertafore gives setup as days. A carrier table on the page names the carriers by line, with some marked in progress.
- Con: It works with AMS360 (20R2 or later) and Sagitta (21R2 or later) only. QQCatalyst and non-Vertafore systems are planned. The FAQ lists five lines while the carrier table has eight columns, and the page does not reconcile them. No price is shown.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

### #10 Tarmika · 6.4/9.4
- Best for: Small commercial agencies that want one entry for BOP, package, workers' comp, commercial auto, GL and cyber with carriers' shorter question sets.
- null · founded null · Quote only. No price on the pages we opened; the site points to contact sales and an ROI calculator.
- Tarmika ranks tenth. It covers BOP and commercial package, workers' comp, commercial auto, GL and cyber with 40+ commercial markets, but the pages name no carriers, no systems and no price.
- Pro: The services page lists dynamic question sets, reserving quotes in the market, talking to underwriters and generating ACORD forms. The site says carriers supply standardized business classes and reduced question sets. The footer credits Applied Systems.
- Con: No carrier is named on the pages we opened and no management system integration is listed. The 40+ market figure comes from a page that cites the Ivans Distribution Platform. No price appears, and the services page still showed placeholder text.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

### #11 [WILDCARD, UNRATED] QuoteSweep
- Unrated by design. Selected by the wildcard signal model (wildcard-v2.0): https://topelevens.com/methodology/wildcard
- Signal read: This is the only tool I found that prints a monthly price, a submission cap and a carrier cap for every plan, and it says plainly that its appetite list is not its quoting list.
  - under_the_radar (strong): Quoting is in private beta with access granted agency by agency, so few agents will have used it.
  - price_integrity_under_growth (strong): Each tier prints its submission, carrier and seat limits, and Business lists $249 per month on annual billing, so the cost of growing is visible.
  - category_fit_anomaly (notable): It drives carrier web portals with AI agents instead of using carrier APIs, which is a different approach from every other tool here.
  - impact_density (notable): The Solo plan costs $49 for 10 submissions a month, which is a low price per quote if the beta quotes work as described.
  - ceiling_distance (mixed): The quoting network is 25 carriers and there is no agency management system link yet, so a growing agency may outrun it.
- Right for: A small commercial agency that lives in carrier portals today and wants to test parallel quoting for $49 a month.
- Wrong for: An agency that needs a rater inside Applied Epic or AMS360 with a proven carrier API list.
- Best for: Commercial agents who will accept a private beta in exchange for a low monthly price and quotes pulled from carrier portals.
- null · founded null · $ (Solo $49, Pro $99, Business $299 per month; Enterprise custom; annual billing saves 17%; Free tier of 3 submissions on the home page)
- QuoteSweep is a private-beta tool that uses AI web agents to quote commercial carrier portals in parallel. The prices and limits are public, but quoting access is granted agency by agency.
- Pro: Prices and limits are printed: Solo $49 for 10 submissions and up to 15 carriers, Pro $99 for 30 submissions, 25 carriers and 3 seats, Business $299 for 100 submissions and 10 seats. The pricing page says no contracts and cancel anytime. The site separates its appetite database from its quoting coverage.
- Con: Quoting is in private beta. The site says it has no agency management system integration yet. The home page says Pro covers all major lines, while the pricing page lists BOP, GL and workers' comp for Pro and BOP only for Solo.
- Risk signals (none, checked 2026-10-27): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-27.

## FAQ

**Which comparative rater has the most carriers?**

On the pages we opened, Zywave Enterprise Quoting claims 1,200+ carrier partnerships and Applied Epic Quotes says more than 525 insurers. EZLynx says over 330 and PL Rating 300+. These are vendor claims counted in different ways, and Zywave's is for a panel setup that takes 6 months or more.

**Is there a free comparative rater?**

Semsee lists an Essential plan at $0 with appetite checking, ACORD forms and submission to multiple carriers. QuoteSweep's home page lists a Free tier with 3 submissions in total, though its quoting is in private beta. EZLynx offers a free trial, and the length is not stated.

**What is the difference between EZLynx and PL Rating?**

Both describe personal lines raters with 300+ carriers. EZLynx runs on the same platform as its own management system and adds commercial submissions. PL Rating links to AMS360, Sagitta, QQCatalyst and over 20 other systems and lists instant bind in the rater. Neither page shows a price.

**Can I bind a policy from the rater?**

Some say so. PL Rating and Commercial Submissions list instant bind in the rater. CoverForce says quote and bind across 20+ carriers on your own appointments. Bold Penguin says you can quote and bind through North Peak Access, and Semsee lists bind in platform.

**Do I need new carrier appointments?**

It depends on the tool. Bold Penguin says no carrier appointment or production minimum is needed through its market access. CoverForce's Independent Agency plan is for quoting on your own appointments. Semsee's Essential plan lists access to Semsee appointed carriers, and Professional adds quoting on your direct appointed carriers.

**How often is this list updated?**

We re-score every 90 days, and the next review is 2027-01-25. Vendors change prices and carrier lists, so confirm every figure on the vendor's own page before you buy.