✓ First 3 months complimentary for new finance partners  ·  No setup fees  ·  $4.99 per lead

Now accepting insurance partners in Indiana

Own your territory.
One agency per
ZIP code.

CarCostCX shows car buyers their complete monthly cost before they visit a dealership — including a real insurance estimate from a local agency. Claim your ZIP codes and receive exclusive leads from buyers who already selected their vehicle.

Exclusive per ZIP  ·  TCPA documented  ·  No shared leads

1
Lender per ZIP code
$4.99
Per lead received
5
ZIP codes included
100%
TCPA documented consent
Check if your territory is available
Enter a ZIP code to see if it is open for an insurance partner in your area.

Most leads arrive with no vehicle context,
no purchase intent, and no consent.

Traditional insurance lead vendors send you a name and a phone number. You have no idea what vehicle they want, whether they are actually in the market, or whether they asked to be contacted by anyone at all.

No vehicle attached

Most leads are generic form fills. CarCostCX leads come with a specific vehicle, listed price, and dealership already selected by the buyer.

🔄

Sold to multiple lenders

Lead aggregators resell the same contact to every institution that will pay. You race to call someone fielding five competing offers at the same time.

😱

TCPA compliance gaps

Inadequate consent documentation exposes lenders to regulatory risk. One complaint can cost far more than the leads were ever worth.

📈

No credit context

Generic leads do not include credit tier or desired loan term. CarCostCX leads include both, matched to the specific vehicle the buyer selected.

A buyer selects their vehicle.
They request an insurance quote.
You get the lead.

CarCostCX shows buyers their complete monthly cost — including an insurance estimate — before they ever visit a dealership. When they want your rate, you receive the lead exclusively.

1
🚗

Buyer selects a vehicle

A car buyer browses CarCostCX and finds a vehicle at one of our partner dealerships. They enter their credit tier, preferred loan term, and trade-in details.

2
📈

Insurance estimate is shown

CarCostCX shows the buyer an insurance estimate for their specific vehicle, ZIP code, and driving record, alongside loan payment, fuel, and maintenance costs.

3

Buyer requests your quote

The buyer provides prior express written consent to be contacted by your agency. Their full profile, including driving record, arrives in your dashboard and inbox instantly.

Not a name and a number.
A complete buyer and vehicle profile.

Every CarCostCX insurance lead includes everything you need to prepare a competitive quote before the first call.

Sample lead — CarCostCX Insurance Partner
Buyer name
Sarah Kowalski
Email
s.kowalski@email.com
Phone
(219) 555-0287
ZIP code
46384
Vehicle
2022 Toyota RAV4 XLE
Listed price
$31,450
Trade-in equity
+$4,200
🔒 TCPA consent documented
🌎 Exclusive to your territory

When you claim a ZIP code, every finance lead from buyers in that ZIP goes exclusively to you. No competing with another lender on the same contact.

📈 Driving record included

CarCostCX captures the buyer's driving record and ZIP code, so you can prepare an accurate quote before your first conversation.

🔒 Full TCPA documentation

Every lead includes a timestamped consent record confirming the buyer requested contact from your institution specifically.

Simple. Transparent. No surprises.

Your first 3 months are complimentary. After that, one flat monthly fee covers your platform access and up to 5 ZIP codes. You are billed separately for leads at the end of each month.

✓ First 3 months complimentary
$299.99
per month after complimentary period

Platform fee$299.99/mo
ZIP codes includedUp to 5
Per lead received$4.99/lead
Lead billingMonthly itemized
Shared leadsNever
Setup fee$0
ContractMonth-to-month

Why local agents win here.

Large national carriers optimize for volume. Independent agents and regional carriers often deliver faster service and more competitive rates for buyers who want a local relationship.

On CarCostCX, your territory wins the lead. Claim your ZIP codes and every insurance-seeking buyer in your area comes to you first.

🏭

Independent agents and regional carriers welcome. If you serve your local market, CarCostCX routes insurance-seeking buyers directly to you.

Everything you need to know.

How does ZIP code exclusivity work for insurance?
When you claim a ZIP code, you become the exclusive insurance partner for all buyers in that area. Any buyer who enters that ZIP and selects the finance option receives your rate and, if they opt in, their lead is routed exclusively to you. No other lender receives that lead. You can claim up to 5 ZIP codes with your platform subscription.
What happens in ZIP codes no partner has claimed?
In uncovered ZIP codes, leads are routed to the active finance partner offering the lowest APR for that buyer's credit tier. This means you can still receive leads from buyers outside your claimed territory if your rates are competitive.
What information comes with each lead?
Every lead includes the buyer's name, email, phone, ZIP code, credit tier, preferred loan term, the specific vehicle they selected, listed price, trade-in equity details, and estimated net loan amount. Full TCPA prior express written consent documentation is included with every lead.
How does billing work?
Your first 3 months are complimentary. Starting in month 4, you are billed $299.99 for platform access at the beginning of each month. Lead charges of $4.99 per lead are billed separately at the end of each month with a full itemized breakdown of every lead received.
Can I choose which credit tiers I compete for?
Yes. You set APR rates only for the tiers you want to serve. If your institution does not lend below a certain credit score, leave those tiers blank and you will not receive leads from buyers in those tiers.

Claim your territory.

Tell us about your institution. We review every application and respond within 48 hours.

By submitting this form, you agree to be contacted by CarCostCX regarding the Insurance Partner program. We do not sell or share your information.

First 3 months complimentary  ·  $299.99/mo after  ·  $4.99/lead  ·  Month-to-month

Application received!

Thank you for your interest in CarCostCX. We will review your application and be in touch within 48 hours.

Questions? Email info@carcostcx.com