The buyer needs insurance to buy the car
No coverage, no delivery. Handled in F&I, PSL keeps delivery moving. Handled earlier, on the floor, it becomes a sales tool: savings the agency finds can free budget for the vehicle (see For Sales).
Referral routing for dealerships & insurance agencies
Insurance, handled at the moment of purchase.
Every buyer needs insurance before the car leaves. At the desk, the buyer consents to one named agency, a broker. PSL routes that referral in under 60 seconds. The agency shops the carriers it represents, binds the policy, and sends the binder straight back to F&I. The buyer drives off. The store never chases paperwork.
Flat fee per accepted referral. Never per quote, never per sale.
Consent to one named agency only. The agency shops its carriers.
Binder and policy documents returned to F&I, not proof of a phone call.
Run it before F&I and insurance savings can free budget for the car.
● Consent captured 0:00
The agency you namedAgency line · registered brand
LIVE
Buyer consented at the dealership · 4:12 PM
Hi DanaHi Dana, Marcus with the agency you named at the dealership. Congrats on the new car! I’ll shop your quote across the carriers we represent and bring you the best rate I can place. Is this the best number for you?
Yes! Still at the dealership signing. That works.
Perfect.Perfect. When you pick a policy, I’ll bind it and send the binder and proof of insurance straight to F&I, lienholder listed correctly, so delivery finishes without anyone chasing paperwork.
Binder & delivery documents sent to F&I ✓
Message
First text sent 0:41
ILLUSTRATIVE CONVERSATION · DEMO DATA
The 60-second queue
A buyer’s attention has a half-life. We work inside it.
The moment a buyer signsConsent starts the clock. The queue offers the referral to the named agency’s producers in order, confirms acceptance, and gets a first message out, all inside Louisiana’s permitted contact windows. After-hours consent fires the moment the window opens.
BEAT 1 OF 4
0s
Consent captured at the store
The buyer names one agency, a broker, and authorizes contact from it. The disclosure, timestamp, and store are written to a permanent consent record before anything moves.
CLICK THROUGH AT YOUR OWN PACE. THE SECOND MARKERS ARE THE STANDARD THE QUEUE IS HELD TO, NOT A STOPWATCH.
How it works
Six steps. One handshake, done right.
PSL is a referral, not a sales pitch.The dealership introduces. The buyer chooses one agency. That agency’s producers shop, quote, and bind. Nothing else moves.
The store offers the introduction
One short script, one screen. The buyer sees the agency by name and chooses. That choice is the whole consent: to that agency, not to a list of carriers. A no ends it.
Consent is recorded
The disclosure shown, the choice made, the timestamp: stored as a consent record, producible on demand for any referral.
The queue routes inside 60 seconds
The referral is offered to the named agency’s producers in rotation. First to accept owns it. Timeouts roll forward, inside the same agency, always.
The agency makes contact, and shops the quote
A real producer reaches out from the agency’s own registered number, inside Louisiana’s contact windows, then shops the quote across the carriers the agency represents.
The bound policy comes back to the store
On bind, the agency sends F&I the binder, proof of insurance, and policy documents: lienholder correct, vehicle correct, ready for the deal jacket. The fee stays flat, bind or no bind. It is a fee for the referral.
The bright line: PSL never quotes, shops carriers, picks coverage, or sells insurance. That is licensed work, and the named agency’s producers do it under the buyer’s consent. PSL’s intake asks only what a referral needs: who the buyer is, what they bought, how to reach them.
The referral record
Every referral is a file, not a rumor.
Every referral writes its own paper trail: what moved, what the buyer agreed to, what happened next. One record answers the auditor, the dispute, and the regulator.
REFERRAL PSL-2026-01147
CONTACTED
- Buyer
- Sample buyer Demo data · Baton Rouge, LA · mobile ending 4417
- Vehicle
- Sample vehicle Financed · proof of insurance required for delivery
- Source
- Partner dealership (demo) Introduced at the store · demo deal
- Consent
- ✓ Recorded One named agency only · disclosure v3 · today 4:12:08 PM CT
- Routed to
- The agency named in the consent A broker. The only recipient. Carriers are never consented to.
- Carrier shopping
- By the agency, after consent Across the carriers the agency represents, after consent
- Accepted by
- Licensed producer (demo) Accepted 4:12:36 PM CT · 28 seconds
- First contact
- Text from agency line 4:12:49 PM CT · 41 seconds after consent · within LPSC window
- Billing
- Flat referral fee Accrues on acceptance · outcome-independent
- Docs to store
- Binder sent to F&I on bind Binder, proof & policy documents · lienholder listed · filed to the deal jacket
SAMPLE RECORD · DEMO DATARETENTION PER CONSENT & DNC RULES
Why the record matters more than the lead
Anyone can sell a name and a number. What makes a referral defensible, to a regulator, to a compliance office, to the buyer, is the trail behind it.
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Consent you can produce
The disclosure version, the timestamp, the agency named. Retrievable per referral, never reconstructed.
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One recipient, by design
One agency, the one in the consent. Carriers receive nothing from PSL; the agency quotes them on the customer’s behalf after the handshake. If routing ever pointed anywhere else, the record would show it.
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Suppression that sticks
An opt-out lands on the suppression list immediately and permanently, honored across every store and agency on the platform.
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Disputes settled in minutes
Wrong number? Duplicate? The record shows what was captured and when. Credits are a lookup, not an argument.
The best insurance conversation starts before the buyer leaves the desk.
At the desk, the buyer is present, the vehicle is real, and the need is now. The agency shops its carriers and places the best fit it can find; F&I gets the documents back without asking twice. Insurance stops delaying delivery and becomes part of buying the car.
CONSENT TO ONE AGENCY ONLYCARRIERS SHOPPED FOR BEST RATE60 SECONDSBINDER BACK TO F&I
For sales, before F&I
The payment bump: find money on insurance, put it toward the car they actually want.
A customer lives on a total: car payment plus insurance plus every other bill. Sales usually negotiates only the first number, and pays for it in discount. PSL gives the desk a second lever: run the introduction early, and any premium saving the agency actually finds is real monthly room the customer can put toward the vehicle they actually want.
Bring insurance up on the floor, not at delivery
While you qualify the customer, ask what they pay, or expect to pay, for insurance. That number is often a guess, and it is quietly capping what they think they can afford.
One introduction, one consent, to one agency
Offer the introduction: “Our insurance agency partner can shop your coverage across the carriers they represent and bring you the best rate they can place. Want me to introduce you?” A yes, and PSL captures consent to that agency only and routes it in under 60 seconds. A no, and the sale carries on exactly as before.
The agency shops while you keep selling
A producer takes the Handshake and works the quote while you keep selling: test drive, appraisal, desk. You never touch the quote. Shopping carriers is the agency’s licensed work.
The desk rebuilds the deal with real numbers
If coverage places for less than the customer budgeted, the desk rebuilds with the real number, not the guess. The customer chooses: step up to the vehicle they wanted, inside the same total month, or keep the saving. No saving found, nothing lost.
Why it works when discounting doesn’t
When a customer saysWhen a customer says “that payment is too much,” they usually mean their total month is too much. Discounting the car fixes it with the store’s gross and leaves an overpriced premium untouched. Finding the money on insurance is different:
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It protects gross
The bump comes from a premium the agency actually found, not from the dealership giving up money on the vehicle.
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It unsticks the step-up
The customer stuck between the car they can “afford” and the one they want is usually stuck on the total. Free real money on coverage and the wanted car fits the same total.
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It answers the payment objection with a fact
Before the desk discounts or loses the deal, check the other half of the car budget. A placed premium beats an argument over a guessed one.
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The customer still wins if they don’t step up
Some customers keep the car they picked and just pay less every month. Either way they leave better off than they walked in, and they remember the store that did it.
WORKED EXAMPLE · THE BUMP
ILLUSTRATIVE
What the customer walked in expecting
Insurance they had budgeted$400 / mo
Car payment they thought fit$500 / mo
Total month for car + coverage$900 / mo
After the agency shops the quote, before F&I
Coverage the agency actually placed$200 / mo
Found on insurance, back in their budget−$200 / mo
Same total month, now leaves for the car$700 / mo
Total month for car + coverage$900 / mo, unchanged
Same $900 total the customer planned to spend. Same bills covered. The car side is now $700, not $500: enough to step up to the vehicle they actually wanted, at no heavier month. That is the bump.
EXAMPLE MATH ONLY · NOT A QUOTE, RATE, OR GUARANTEE. ACTUAL PREMIUMS AND SAVINGS VARY BY CUSTOMER, CARRIER, AND COVERAGE, AND SOME CUSTOMERS WILL SAVE LESS OR NOTHING.
An honest bump, or no bump. The customer sees both real numbers, the vehicle payment and the placed premium, and chooses where the saving goes. Nothing is invented, estimated into the deal, or promised before the agency finds it. Sales sells the car. The agency, and only the agency, shops, quotes, and places coverage.
Who does what
Three parties. Clean lanes.
Most referral arrangements failReferral arrangements fail on blurred roles: who promised what, who contacted whom, who got paid for which outcome. PSL draws the lines in writing before the first referral moves.
The dealership
Introduces · never sells insurance
- Offers the introduction in F&I with an approved script, or earlier, on the sales floor
- Sales can use it to bump the payment: shopping before F&I, any real premium saving frees room in the customer’s total month for a better vehicle, without discounting the car
- Captures consent on the PSL intake: one agency, a broker, named by the buyer
- Receives the binder & policy documents on bind, ready for the deal jacket, delivery, and funding
- Earns a flat referral fee per delivered referral, paid on the referral, not on any policy
The agency, the broker
Shops carriers · quotes · binds · owns the customer
- Staffs the queue with licensed producers in rotation
- Texts from its own registered line: the name the buyer consented to, the only name they consented to
- Shops the quote across its carriers and places the best fit for the customer. No consent to each carrier is needed; the agency shops on the customer’s behalf
- Sends the documents back to F&I on bind: binder, proof, and policy details, lienholder correct, so the deal closes cleanly
- Pays a flat fee per accepted referral, never contingent on a bound policy
PSL
Routes · records · never touches coverage
- Runs the queue and the clock: routing to the named agency only. Never to a carrier, never to a second agency
- Keeps the consent and suppression records for every referral
- Closes the document loop: the binder and documents reach F&I, and billing reconciles for both sides
- Holds the compliance line: windows, opt-outs, and the referral-only boundary
Billing, without surprises
A flat fee for a referral. That’s the whole model.
One flat fee, paid on the referral alone: the same whether the buyer binds, keeps shopping, or never answers. That separation keeps the fee a referral fee, and everyone’s incentives clean.
What’s billable
- A referral delivered to an accepting producer: consent recorded, right agency, inside the window
- The dealership’s payout accrues on the same event: one billable moment, defined once, in writing
- Fallback delivery inside the same agency: if the first producer times out, the next acceptance is the billable event. Same referral, billed once
What’s never billable
- Data defects: a wrong number, a duplicate, or a record that does not match the consent is credited, not argued
- Outcomes: an unanswered phone or an unbound policy is not a defect. Credits are for bad data, never for results
- Anything outside consent: a referral that reached anyone but the named agency is not a referral. It is a breach, and it is free
One definition, everywhere. The billable event, the payout trigger, and the credit rule read the same in the dealership agreement, the agency agreement, and the platform ledger. Month-end is a comparison, not a negotiation.
The pilot
Start with one store. Grow inside the network.
PSL launches as a single-store pilot with one named agency, deliberately, so every consent, contact, and dollar can be checked by hand. Partners then grow with the founding network, store by store.
Step one01
Agreements signed
Partner terms signed: roles, the flat fee, the billable event, data handling, liability. Nothing routes before signatures.
Step two02
The agency’s line registered
The agency’s texting brand and number registered under its own name, producers loaded into rotation, the queue tested end to end on demo referrals.
Step three03
F&I and sales trained, script approved
A fifteen-minute session: the offer script, the intake screen, the early floor version sales uses for the bump, and the one rule that matters: the buyer chooses, every time. The document return path is wired into the deal jacket.
Step four04
Live, watched daily
Referrals flow. PSL reviews consent records, contact times, and credits daily, and both partners see the full ledger: every referral, every outcome, nothing sampled.
For agencies & producers
Buyers who asked for you by name, while they’re still at the store.
- Buyers at the moment of purchase. At the dealership now, buying a car now, needing coverage to drive it home.
- Intent doesn’t get higher. The buyer just bought the car, needs coverage, and chose your agency at the desk.
- Your name is the consent. Buyers agreed to hear from your agency specifically. Your first text is expected, not an interruption.
- Flat and predictable. One fee per accepted referral, credited on defective data. Your cost never depends on whether a policy binds.
Platform preview
See the platform taking shape
These interactive previews use demo data only. Nothing entered is sent or saved.
Customer intake
The per-store QR intake: consent first, then the customer’s details, offered to a producer on submit.
Agent queue
The clock-in queue: an incoming referral, a short window to accept, a first message ready to send.
Store dashboard
The store’s view: referrals submitted, accepted, and followed up, in one place.
The fine print
The legal part lives in the record.
Consent, routing, contact windows, and suppression, folded into the referral record, plus the eight questions that matter.
Contact
Talk to us
Questions about the network, the platform, or joining as a dealership or an agency: reach out directly.
The pilot is enrolling
Your buyers are already asking. Be the introduction they remember.
Make insurance the easiest part of buying a car at your store. Customers consent to one agency; the agency shops its carriers, binds in the same visit, and sends F&I the documents. Run it before F&I and it sells cars too. Louisiana stores and agencies: ask for the pilot brief, the full flow, the fee structure, and the compliance file.