Add-on module for the Sovereign Auto Engine
Between 85 and 95 percent of your D2C auto quotes never bind.
Every one of them arrived pre-qualified, handed you rateable data, and left. The Lead Engine is the layer that decides what happens next — recover the policy where the policy is still winnable, place the risk where it is not, and monetize only what is genuinely left over.
Rated premium
The module acts while the core still holds the price, the filing decision and the exact abandonment step.
Zero core writes
A secure feed out, one checked doorway back in. Nothing of ours sits beside your premium, ledger or reinsurance records.
Why a PAS wins this
A lead marketplace buys a stranger. You already know the answer.
EverQuote, MediaAlpha and QuoteWizard exist because an auto shopper who did not buy is still valuable. They have to guess at the risk. Your policy admin system does not — it rated it. That single fact changes what the follow-up can do and what the routing decision is worth.
It knows the price
Follow-up can offer a real deductible or limit alternative inside the same filed program, not a generic 'come back and shop' email.
It knows the appetite
A declined or out-of-appetite risk skips nurture entirely and enters the waterfall in the same second — no wasted touches, no wasted consent.
It knows the step
Someone who walked away at the payment page has a different problem from someone who balked at the price. The engine treats them differently, because they are different.
The order of the money
Referral revenue never pre-empts a bindable policy.
The engine works down this list in a fixed order. Selling the lead is the last paid option, not the first.
Start
A completed quote that did not buy
- 01Can you still write it yourself?Policy bound — your premium
- 02Does another of your programs fit?Policy bound — your premium
- 03Does your agency or panel fit?Placed — commission
- 04Did the shopper agree to be shared?Referral or marketplace — fee
- 05Right coverage, wrong timing?Stay in touch, requote later
No to all of the aboveno →
Stop contact entirelySome carriers will not want their shoppers resold under any circumstances. One switch turns off outside placement for your whole company. That is a feature, not a concession.
The economics
Total economic value per completed quote.
One number that combines the policy you bind directly, the policy you recover, and the revenue from everything else. Move the inputs to your own book and see what the layer is worth.
Your inputs
Consumers who saw a price, not sessions started.
Planning range 5% – 15% of completed quotes.
Per bound policy, before fees.
Commission, fee income or underwriting contribution — your number.
Planning range 2% – 6% of completed quotes.
Contribution margin, placement mix and lead pricing are fixed at their defaults here — the full model exposes all nine inputs.
Total economic value per completed quote
$34.88
Direct bind $19.80 · recovered $7.92 · referral $7.16
- Incremental bound policies / mo
- 160
- Incremental contribution / mo
- $31,680
- Referral-eligible leads / mo
- 1,376
- Referral revenue / mo
- $28,621
- Module value / mo
- $60,301
- Module value / yr
- $723,610
Value per quote, by source
Cumulative module value, 12 months
Defaults are planning assumptions drawn from public commentary and vendor-reported ranges, not audited benchmarks. They exist to size a business case. Nothing here is a promised conversion rate, and none of it belongs in an SLA.
The boundary
The module never writes a core record.
This is the first question your technology team will ask, so it is not a footnote. We read a feed, and we write back through one checked doorway. Nothing else.
Sovereign core — frozen
Rating, filings, premium, ledger, equity and cession stay exactly where they are. The core emits signed lifecycle events. It is never written to by the module.
quote.startedlead openedquote.ratedpremium knownquote.declinedappetite missapp.abandonedstep capturedpolicy.bounduniversal kill switch
Lead Engine — the module
Reads events, builds the lead record, decides the next action. The only write path back is the checked doorway the core already uses: reopen a quote, requote, submit an application. Nothing else.
- Nothing of ours sits beside your policy records
- Never re-rates and never pins a filing version
- policy.bound halts every sequence and pulls every auction entry
- Only what the shopper agreed to share ever leaves
Explainable scoring
A reason, not a mystery number.
Four separate dimensions — intent, product fit, value, contactability and compliance — each shown with the evidence behind it. An agent working a queue needs to know why, not that a model said 87.
Sample lead — reasons, not a mystery number
Next action: rescue touch
- Intent
Payment page abandoned 4 minutes ago
Returned to the quote twice
- Product fit
Clean MVR, garaged in a filed territory
Requested limits supported by the filing
- Value
Two vehicles, prior coverage 36 months
Cross-sell signal: renters
- Contactability
Verified mobile, one-to-one consent on file
Local time 3:42 PM — inside quiet hours
High
In appetite
$1,780 written premium
SMS + email consented
Benchmark honesty
We will not sell you a conversion rate.
Carriers do not publish quote-to-bind data, and most of the multipliers circulating in lead-gen content trace back to vendor marketing rather than a primary study. These are the planning ranges we use to size a business case — and the only numbers we will ever quote.
- Immediate bind on completed quotes
- 5% – 15%
- Incremental bind recovered by follow-up
- 2% – 6%
- Non-buyers eligible and consented for referral
- 30% – 50%
- Revenue per lead, shared to exclusive
- $5 – $45
What we do promise is measurable: documented attribution, a stop-on-bind guarantee, a defensible consent record, and each customer's own first-party funnel numbers — which are worth more than any published average.
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