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For auto & personal-lines agents

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They hand you their renewal date and you call two weeks before it.

Auto is the easiest yes in insurance — it's legally mandatory, everyone already has it, and almost everyone thinks they're overpaying. The qualifying question isn't emotional here, it's a calendar date. And a dated appointment is the most workable lead in P&C.

Buy auto leads — from $45060 leads guaranteed on the smallest pack

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Company names and logos are trademarks of their respective owners, shown only to identify the carriers our agents write for. Lumitide is independent and is not affiliated with, sponsored by, or endorsed by any insurance carrier, agency, or marketing organization.

The actual conversation

This is the script your pack runs — sent from our registered 10DLC numbers, never yours. You never send a message and you never see the blast. Only the replies below reach you.

9:41
MR

Marcus · TX

(210) 4•• ••68

Hi Marcus — most drivers in TX saw their auto premium climb again this year. The new rates are out and a few carriers came down. Want a side-by-side against what you're paying?

Auto packs

One flat price per campaign — no subscription, no per-lead games. Every pack carries a guaranteed lead floor: if we miss it, we re-blast free until you're whole.

5K Pack

$450

one-time · per campaign

  • ✓5,000 consumers texted
  • ✓40 interested + 20 call-confirmed guaranteed
  • ✓40 + 20 guaranteed — or free re-blast
  • ✓$7.50 per lead at the floor
  • ✓Live portal with full conversations
  • ✓Leads are exclusively yours
Buy the Auto 5K Pack
Most popular

10K Pack

$850

one-time · per campaign

  • ✓10,000 consumers texted
  • ✓80 interested + 40 call-confirmed guaranteed
  • ✓80 + 40 guaranteed — or free re-blast
  • ✓$7.08 per lead at the floor
  • ✓Live portal with full conversations
  • ✓Leads are exclusively yours
Buy the Auto 10K Pack

20K Pack

$1,650

one-time · per campaign

  • ✓20,000 consumers texted
  • ✓160 interested + 80 call-confirmed guaranteed
  • ✓160 + 80 guaranteed — or free re-blast
  • ✓$6.88 per lead at the floor
  • ✓Live portal with full conversations
  • ✓Leads are exclusively yours
Buy the Auto 20K Pack

At checkout you pick the states you're licensed in and the cell number for lead alerts. Buying from this page automatically runs your campaign on the auto script — no extra step.

What we promise on auto

The guarantee does not change by vertical. Every pack carries a lead floor, and if your pack lands short we keep blasting at our own cost until you're whole.

PackConsumers textedInterested + V2Guaranteed floorWorst-case $/lead
5K Pack — $4505,00040 + 20 guaranteed60$7.50
10K Pack — $85010,00080 + 40 guaranteed120$7.08
20K Pack — $1,65020,000160 + 80 guaranteed240$6.88
Straight answer

The floor above is a real guarantee and it is enforced the same way in every vertical. What we will not do is quote you a auto-specific reply rate we haven't earned yet. Our published 7.4% reply and 1-in-65 interested rates were measured on life and final expense campaigns; the auto script is newer and its yield data is still building. If those rates land lower here, that's our cost to eat, not yours — we re-blast until your floor is met. That's the entire reason the guarantee exists, and it's why we can open a vertical honestly instead of waiting a year.

Why this works over SMS

01

It's a mandatory purchase, so there's no “do I even need this”

Every one of these consumers already owns the product. You're not creating demand and you're not educating — you're competing on a bill they already pay every month and already resent.

02

Rate shock did your prospecting for you

Auto premiums have climbed hard across nearly every state. “Mine went up again” is the single most common reply we see on this script, and it arrives with no persuasion attached.

03

The lead ages into an appointment instead of dying

A life lead cools in 48 hours. A renewal-dated auto lead is worth *more* the week before that date — so the leads you can't close today go on a calendar instead of in the trash.

Every lead arrives with

Name, phone (proven live — they texted from it), address, city, state, ZIP, email, date of birth, age, credit band, current carrier and renewal date where given, and the full SMS thread with timestamps. Vehicle and household detail is captured when the consumer volunteers it — we don't stack questions and tank the reply rate. It all lands in your portal and texts your cell at the same moment — exportable any time.

Auto questions

Auto commissions are small. Does a $450 pack actually pencil?+

Not the way a life pack does in year one, and we'd rather say so than sell you a number. At $180 first-year commission you need about three closes out of 60 guaranteed leads to break even, where a life agent needs one. The auto 5K is $450 — under the life pack, because the first-year commission is smaller — and it carries the same volume, same numbers, same guarantee. What makes the trade work is that P&C renews: the same book pays again next year with no acquisition cost, and roughly a third of auto writers bundle a home policy onto it. Underwrite the pack on first-year commission alone and it's a thin trade. Underwrite it on a three-year book with bundling and it's the cheapest new business you'll buy.

What yield should I expect on auto?+

We hold the same guarantee we hold everywhere — 60 leads minimum on a 5K pack, 40 interested plus 20 call-confirmed, and we re-blast at our own cost until you're whole. What we won't do is quote you an auto-specific reply rate we haven't earned yet. Our 7.4% reply and 1-in-65 interested rates were measured on life campaigns; the auto script is newer. The guarantee protects you either way, which is exactly why it exists.

Do these leads come with current carrier and premium?+

Carrier and renewal timing, yes — that's the qualifying question, and it's what earns the RENEW tag. Exact premium, no. Asking for a dollar figure over SMS collapses the reply rate, and you'll get a more honest number in the first thirty seconds of the call anyway.

Can I run auto and home on the same pack?+

Not on one pack — each pack runs a single script so the qualifying question stays clean. But agents licensed for both commonly run an auto pack first and work the home cross-sell off the same leads on the call, which is the cheapest way to do it.

Everything else — exclusivity, delivery timing, compliance — is answered on the main page.

Pick a auto pack — from $450Watch leads land live →
Private health →Homeowners →Life & final expense →