QuoteRidge

Insurance Lead Marketplace • Real-Time Bidding • Human-Verified Leads

A two-sided insurance lead generation platform that connects consumers seeking quotes with licensed agents through a transparent, real-time bidding system. Every lead is human-verified through a 3-step process, achieving a 70%+ contact rate versus the 30% industry average.

QuoteRidge homepage

Problem

The insurance lead generation industry is broken. Consumers fill out forms and get bombarded by dozens of agents. Agents pay for leads that are often bots, duplicates, or people who never answer the phone. The result: consumers hate the experience, and agents waste money on garbage leads.

~30%

Industry contact rate

Most purchased leads never answer the phone

60%+

Leads are low quality

Bots, duplicates, and fake submissions flood the market

$0

Transparency for agents

Agents buy blind — no scoring, no quality tiers, no recourse

Two-Sided Platform

Consumer Side

  • ›24 insurance types — personal, auto, business, specialty
  • ›Multi-step quote wizards with type-specific fields
  • ›VIN decoder and license plate lookup for auto quotes
  • ›Address autocomplete via Geoapify API
  • ›3-step verification: CAPTCHA → email → phone SMS
  • ›Real-time status tracking of their quote request
  • ›Educational resources: calculators, comparisons, glossary

Agent Side

  • ›Agent dashboard with stats, balance, active bids, and recent wins
  • ›Real-time lead marketplace with filtering and search
  • ›Live bidding system with Socket.io (30-minute auction windows)
  • ›Auto-buy rules — set criteria and budget to bid automatically
  • ›Exclusivity modes: Exclusive (1 buyer), Shared-2, Shared-3
  • ›Credit-based payment system via Stripe
  • ›License verification and approval workflow

Technical Architecture

Full-stack Next.js platform with a separate Socket.io real-time server, PostgreSQL via Prisma, and integrations with Stripe, Twilio, and state insurance license databases.

Frontend

Next.js 16 App Router, React, TypeScript, Tailwind CSS, shadcn/ui, Framer Motion

Backend

Next.js API routes with session-based auth (JWT via jose), bcrypt password hashing

Database

PostgreSQL on Neon with Prisma ORM — leads, bids, agents, purchases, activity logs

Real-Time

Express + Socket.io server on port 3001 for live auction bidding and notifications

Payments

Stripe for agent credit purchases, webhook handling, and billing management

Verification

Cloudflare Turnstile CAPTCHA, Twilio Verify for SMS, ZeptoMail SMTP for email

Vehicle APIs

NHTSA VIN decoder, license plate lookup, vehicle data auto-population

Risk Data

FEMA flood zones, FBI crime stats, USDA rural area data for lead quality scoring

SEO

Programmatic pages for /insurance/[type]/[state]/[city], structured data, sitemap generation

Lead Lifecycle

1

Consumer Submits Quote

Multi-step form with type-specific fields, address autocomplete, and vehicle lookup

2

3-Step Verification

CAPTCHA (Cloudflare Turnstile) → Email verification → Phone SMS verification (Twilio)

3

Quality Scoring

Scored 0-100 and assigned tier: Premium (80+), Standard (50-79), or Economy (30-49)

4

Manual Review

Fraud flags trigger admin review — 40%+ of submissions are rejected for quality

5

Live Auction

Approved leads enter a 30-minute real-time auction with Socket.io bidding

6

Agent Wins

Winning agent is charged credits, lead contact info revealed, CRM handoff

Agent Marketplace

Quality Tiers

PremiumScore 80-100

Fully verified, high-intent, detailed submission

StandardScore 50-79

Verified contact info, moderate detail level

EconomyScore 30-49

Basic verification passed, minimal details

Exclusivity Modes

1.75x
Exclusive(1 buyer)

Only one agent gets the lead — highest conversion

1.0x
Shared-2(2 buyers)

Lead sold to top 2 bidders — balanced competition

0.75x
Shared-3(3 buyers)

Lead sold to top 3 bidders — lowest cost per lead

The Product

How It Works

Step-by-step breakdown showing consumers how the verified lead process works — from getting quotes to connecting with agents.

QuoteRidge how it works

Auto Quote Form

Multi-step wizard with live summary sidebar, VIN/plate lookup, and progressive step indicators. Each insurance type has its own flow.

Auto quote form

Agent Marketplace Login

Agent portal entry with value props — verified leads only, exclusive access, real-time delivery, and pay-per-lead pricing.

Agent marketplace login

Insurance Types

24 insurance types across personal, auto, and business categories — each with programmatic SEO pages per state and city.

Insurance types grid

Platform Scale

24

Insurance Types

70%+

Contact Rate

40%+

Rejection Rate

3

Verification Steps

Tech Coverage

TypeScript / Next.js
PostgreSQL / Prisma
Socket.io / Real-Time
Stripe / Payments
Twilio / Verification
SEO / Programmatic Pages

Impact

  • Built a full two-sided marketplace from scratch — consumer quote forms, agent dashboard, admin panel, and real-time bidding engine
  • Implemented 3-step human verification (CAPTCHA + email + SMS) achieving 70%+ contact rate vs. 30% industry average
  • Created a real-time auction system with Socket.io for live bidding, auto-buy rules, and exclusivity pricing tiers
  • Built 24 insurance-type quote flows with type-specific form fields, VIN decoder, and address autocomplete
  • Integrated quality scoring pipeline using FEMA, FBI, and USDA data for risk-based lead pricing
  • Programmatic SEO for thousands of pages — /insurance/[type]/[state]/[city] with structured data and sitemap generation