SmartFinancial vs QuoteWizard: leads, pricing and terms compared
SmartFinancial fits agents who want to bid for web leads and live transfers from one account, including commercial leads. QuoteWizard fits agents who want to buy fixed packages with published starting prices and detailed filters. SmartFinancial caps shared leads at three agents and QuoteWizard at four.
Side by side
| SmartFinancial | QuoteWizard | |
|---|---|---|
| Lines Differs | Auto, home, renters, health, Medicare, life and commercial | Auto, home, renters, health, Medicare and life |
| Lead types | Real-time leads and live transfers | Real-time leads and live transfers |
| Shared or exclusive Differs | Shared: real-time leads (all lines) Exclusive: real-time leads (auto, home and health) and live transfers (auto, home and health) | Shared: real-time leads (all lines) Exclusive: real-time leads (auto, home, renters, health and life) and live transfers (home and auto) |
| Price Differs | By bid. Typically $8 to $30 per web lead and $18 to $70 per call | From $4.50 per lead for renters to $26.75 for premium auto search leads |
| To start Differs | Deposit set by SmartFinancial | Pay as you go |
| Contract | No long-term contract | No long-term contract |
| Returns Differs | Up to 10 days, as account credit | Up to 25% of leads within 10 days |
| Coverage | All 50 states | All 50 states |
| Sample leads published Differs | Auto, home, renters, health, life and commercial | Auto, home, renters, health, Medicare and life |
| Named integrations Differs | 3: ClientCircle, Blitz and AgencyMVP | 23: AgencyMVP, AgencyZoom, APEX, Blitz, Contactability, Convoso and 17 more |
| Founded Differs | 2012 | 2006 |
| Headquarters Differs | Newport Beach, California | Seattle, Washington |
Which one fits you
Choose SmartFinancial if
- You want to set your own bids and adjust them as you go
- You sell commercial insurance as well as personal lines
- You want exclusive calls in auto, home or health
Choose QuoteWizard if
- You want published package prices before you spend
- You want to pay as you go and choose your own card charge
- You want a published sample lead for each line
Products and getting started
SmartFinancial
- Sign up on the agent site and fund the account with a deposit. SmartFinancial picks the amount and you can't get it back.
- Build a profile for each product. Pick states or area codes, add filters and set calls or leads per day, call hours, how many calls can ring at once and the number transfers go to. There are also account-wide maximums for leads and calls.
- SmartFinancial suggests a bid for each product, and you raise it if you want more volume in a competitive area.
- Leads land in the SmartFinancial dashboard and can also go out by email or text, or to your CRM, rater or dialer.
- Once your balance falls to $50, your card is charged the rebill amount you chose in the portal.
- Your account manager handles 40 to 50 clients and goes over your account with you every two weeks.
- A pause lasts at most 14 days, and then the account turns itself back on.
QuoteWizard
- Fill out the join form on the agent site and choose your lines.
- Pick packages and filters with a sales rep, along with your territory and daily or weekly caps.
- Set the amount charged to your card. The card is charged again once your balance falls under what a single lead costs. You can set a cash cap to stop automatic charges.
- Leads arrive in the QuoteWizard dashboard and by email, and can post into your CRM, rater or dialer.
- Pause when you need to. Standard accounts get 45 vacation days a year, and higher-volume accounts get more.
Price and cost to start
QuoteWizard charges a package price plus filters, with published starting prices such as $4.50 for renters, and it recharges your card once the balance drops below one lead's cost. SmartFinancial works by bid and quotes typical ranges of $8 to $30 for web leads and $18 to $70 for live transfers. Plan on a non-refundable SmartFinancial deposit and a 2.95% card fee, neither of which QuoteWizard lists.
Full pricing: SmartFinancial and QuoteWizard.
Shared or exclusive
SmartFinancial sells each shared lead to three agents at most, where QuoteWizard allows four, though QuoteWizard also publishes per-line averages, from about 1 buyer on renters to 3 on health. Both sell exclusive auto, home and health leads and exclusive live transfers. QuoteWizard adds exclusive renters and life, and SmartFinancial's transfers cover health as well as the auto and home that WizardCalls handles.
Every offer: SmartFinancial and QuoteWizard.
Lead returns
The window is the same at both, 10 days from delivery, and each pays approved returns as credit. SmartFinancial publishes detailed rules, refusing for example a shopper who already bought or never called back, but sets no published cap. QuoteWizard is the reverse, with a 25% ceiling on returns and no public list of accepted reasons.
Full return terms: SmartFinancial and QuoteWizard.
Contract and cancellation
Both run without a long-term commitment, and pauses favor QuoteWizard, which allows 45 days a year compared with SmartFinancial's 14 days before billing resumes on its own. SmartFinancial needs a written cancellation that it processes within 15 business days, and it keeps any leftover balance as spendable credit. QuoteWizard publishes neither its cancellation steps nor what happens to unused funds.
Full contract terms: SmartFinancial and QuoteWizard.
Delivery and integrations
Delivery is close to identical, with both landing leads in a dashboard and pushing them by email, text or into a CRM, dialer or rater. SmartFinancial will also build a custom API link and treats its job as done once the lead hits the dashboard, so test your connections. QuoteWizard's dashboard doubles as the place to adjust caps and territory.
Delivery details: SmartFinancial and QuoteWizard.
Lead quality checks
Both screen live calls and lean on their own quote sites, QuoteWizard.com fed by search traffic and SmartFinancial.com backed by partners and affiliates. QuoteWizard points to an in-house validation step plus TrustedForm and Jornaya LeadiD on its form. SmartFinancial names xVerify and RealValidation as outside contact checkers and makes affiliates keep consent proof for five years.
Lead sources and consent: SmartFinancial and QuoteWizard.
Alternatives to SmartFinancial and QuoteWizard
- EverQuote sells real-time auto and home data leads and live transfers, and has no minimum spend.
- Hometown Quotes sells real-time leads for auto, home, life, health and renters, shared or exclusive, and live transfers for auto, home and life.
- MediaAlpha sells auto, home and life leads, shared by default with some sold as exclusive, that agents buy by bid or at a fixed price.
Frequently asked questions
How does pricing differ between SmartFinancial and QuoteWizard?
SmartFinancial prices by bid. QuoteWizard sells packages with published starting prices, and filters add to the package price.
Do I need a deposit?
SmartFinancial sets a non-refundable opening deposit for each agent. QuoteWizard is pay as you go, and you choose the card charge.
Do both sell live transfers?
Yes. SmartFinancial sells live call transfers, and QuoteWizard sells WizardCalls live transfers for home and auto.
How we researched this. We based this comparison on each company's published pricing where available, terms and product pages, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.