Insurance, handled at the moment of purchase.
Premium Service Leads connects dealership customers to a licensed local insurance agent in real time, while they are still at the store, so getting covered never slows down delivery day.
How it works
From QR code to conversation in moments
Every referral follows the same path: consent first, details captured once, and a licensed agent on the other end right away.
The customer opts in
At the store, the customer scans a QR code unique to that dealership. The intake page names the agency that will reach out: a broker, whose job is to shop the customer's quote across the carriers it represents. Nothing is collected until the customer agrees to be contacted.
Details are captured once
Contact information, driver details, and the vehicle are gathered in one short mobile flow, with the details read back and confirmed by the customer before anything is sent.
The Handshake: an agent accepts in seconds
The referral is offered to clocked-in, licensed agents one at a time, with a short window to accept. If one agent cannot take it, it rolls to the next automatically.
The conversation starts
The accepting agent makes first contact right away, while the customer is still at the dealership. Acting as the customer's broker, the agent shops the quote across the carriers the agency represents and places the best rate available, often well under what the customer is paying now. The policy is bound on the spot and the insurance documents come straight back to the store, so the deal finishes in one visit and the customer drives out covered.
The full flow
Every step, in order
Nothing about a referral is improvised. The same six steps run every time, and each one leaves a record.
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1. The store makes the offer
In person, at the point of sale, a member of the store team introduces the option and hands the customer that store's QR intake code. Store staff never discuss carriers, coverage, or premiums; they make the introduction and get back to selling the car.
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2. The customer consents in writing
The intake names one licensed agency and says plainly that the customer may use any agent or agency they like, and that the choice does not affect the credit decision or its terms. Nothing moves until the customer agrees. No consent on file, no referral: that rule has no exceptions.
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3. Details are captured once
Name, mobile number, and the vehicle being purchased, entered once in a short mobile flow and read back for the customer to confirm. PSL does not ask about the customer's current carrier; if the agency wants that, the agency asks it.
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4. Routing stays inside the named agency
The referral is offered to clocked-in producers at the agency the customer named, one at a time. It never leaves that agency, is never offered to a list of agencies at once, and is never sold on.
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5. First contact, then the policy and its documents come back to F and I
The accepting producer's agency makes first contact itself, by text from the agency's own brand. When the policy is bound, the insurance documents F and I needs to finish and fund the deal are delivered back to the store, attached to the referral record. The point is not a paper trail. The point is a customer who leaves covered, in a car they could actually take home, because insurance never became the bottleneck.
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6. If nobody accepts in the moment
The referral does not expire and does not escape to another network. It waits in an asynchronous queue at the same named agency and is followed up inside allowed contact hours, so no consented referral dies quietly.
The sixty-second standard
From consent to first text in about a minute
Speed matters because the customer is standing in the store. Click through the minute, step by step, at your own pace.
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0s
Consent captured
The customer agrees in writing at the store, naming one agency. The clock starts here.
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~3s
Offered to a producer
The referral reaches the first clocked-in producer at the named agency.
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by 30s
Accepted: the Handshake
This is the moment the process is named for. A live producer takes the customer, by name, while they are still in the store. Each producer gets a 30-second window to accept. A decline or a timeout rolls the offer to the next producer in the same agency, and the clock keeps running.
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by 60s
First text sent
The agency sends the first message from its own brand, and the send is timestamped on the store's record automatically.
Contact only happens inside the allowed calling windows described below; outside those windows, referrals wait for the asynchronous follow-up.
Inside a referral
What one referral record actually holds
No mystery fields and no extra data. A referral record is the consent, the routing, and the timestamps, and that is all.
Referral record
What the record deliberately leaves out
- The customer's current carrier. PSL never asks for it; if the agency wants it, the agency asks.
- Anything about coverage, quotes, or premiums. That conversation belongs to the agency and never passes through PSL.
- Policy details and binders as data. Proof of insurance returns to F and I as a document on the record, not as PSL data.
- Payment details or premium money. PSL never touches either.
- Carrier logins or credentials of any kind.
- Anything the customer did not provide at intake.
For dealerships
Implemented in your store, not sold to it
Dealerships do not buy Premium Service Leads. It is set up in-store, and your team simply hands buyers a simple way to get covered.
Savings that help sell the car
The agency your customer consents to is a broker. Its agents shop the quote across their carriers and hunt the customer's best rate, and this can run during the sale, before F and I ever sees the deal. When the broker beats what the customer is paying now, that is real monthly money freed up. Run the quote early, while the deal is still being worked, and it is a bump tool: every dollar the broker takes off the customer's insurance is a dollar of room in the monthly budget they walked in with, and that room can step them up to the vehicle they actually wanted without raising what they pay out each month. A customer whose bills just got cheaper does not have to settle. Speed and clean paperwork matter. The savings are the headline.
A clean, neutral hand-off
Your staff introduce the option and step back. They never discuss coverage, premiums, or carriers; the licensed agent handles all of it.
Faster, smoother deliveries
Buyers sort out insurance during the purchase instead of after it, so a missing binder never holds up a delivery.
Covered before they leave
When the policy is bound, the proof of insurance and the documents your F&I office needs are delivered back through the platform, attached to the referral record, so funding and delivery never wait on insurance.
Visibility for your store
A store dashboard shows the referrals your store submitted, which were accepted, and how quickly customers were contacted.
For F and I: what lands back on your desk
The F and I office sees the referral's paper trail, never its insurance conversation.
Lands on the desk
- The consent record and its timestamp, so the referral is documented end to end
- Contact status: accepted, and the timestamped confirmation of first contact
- Outcome status, including the proof of insurance document when the agency returns it
Never lands on the desk
- Quotes, premiums, or coverage discussions of any kind
- Anything the customer told the agency after the hand-off
- Insurance content from PSL, because PSL has none to send
For agents
Real referrals, in real time
Clock in when you are ready to work, and consented dealership referrals are offered to you the moment a customer opts in.
Exclusive by design
Each referral is offered to one agent at a time. When you accept it, it is yours; it is not sold to a list of agents at once.
You control your availability
Clock in when you can respond and clock out when you cannot. Offers only go to agents who are clocked in and ready.
Pay per accepted lead
A lead is charged only when you accept it. No accept, no charge. If a referral turns out to carry a data defect, an invalid number, a duplicate, or no consent on file, it is credited back. Credits are never tied to whether a policy is sold.
Speed is the standard
Accepting a referral starts a short window to make first contact. You message the customer from your agency's own number and brand, so the conversation belongs to your agency from the first text.
Billing
Billing, without surprises
The whole model fits on one page: pay for accepted referrals, settle once a month, and argue about nothing.
Pay per accepted referral
A referral is billed when a producer accepts it, and only then. Referrals that are offered and declined, or that wait in the follow-up queue, are not billed.
What "accepted" means
A clocked-in, licensed producer at the agency named in the customer's consent affirmatively accepts the referral inside the accept window. That acceptance is the Handshake: the moment the referral becomes that agency's to work, timestamped on the record.
Monthly invoicing, in arrears
One itemized statement after the month closes, listing each accepted referral and its timestamps. There are no prepaid credits to buy, hold, or lose.
Credits are for data defects only
A billed referral is credited back when the data itself was defective: an invalid number, a duplicate, or no valid consent on file. A customer who does not answer, does not buy, or buys elsewhere is an outcome, and outcomes are never credited.
Who does what
Three roles, no overlap
Most referral problems come from blurred roles. PSL keeps the lines bright on purpose.
The dealership
- Offers the option at the point of sale
- Hands the customer the store's QR intake
- Receives proof of insurance back in F and I
- Never discusses carriers, coverage, or premiums
The agency
- Licensed producers clock in and accept referrals
- Makes first contact from its own brand
- Quotes and binds in its own systems
- Returns proof of insurance to the store
PSL
- Captures and stores the written consent
- Routes the referral inside the named agency only
- Tracks the timers and keeps the records
- Never quotes, never binds, never the agent of record
Compliance and trust
The rules the platform runs on
Plainly stated, because dealers and agents should not have to guess how their customers are treated.
Consent first, always
Every referral starts with the customer's written consent naming one agency. No consent on file means the referral does not move.
Consent records are kept
Who consented, when, what they were shown, and what they agreed to are stored with the referral, so any contact can be traced back to its permission.
Contact inside Louisiana windows
Outreach follows the Louisiana Public Service Commission do-not-call windows: no Sundays, no legal holidays, and nothing between 8 p.m. and 8 a.m. Consent does not waive those limits.
The agency does the talking
Texts and calls come from the named agency, under its own brand. PSL sends no consumer messages, discusses no coverage, and holds no premium money.
Opt-outs end contact
A reply of STOP, or any of its equivalents, or any request not to be contacted, ends outreach and is honored across the network.
Credits are for data defects only
A referral is credited when the data is defective: an invalid number, a duplicate, or no consent on file. There are never credits or charges based on whether a policy is sold.
Getting started
The pilot, step by step
One store, one named agency, set up in order. Nothing goes live until every step below is done.
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1. The partner agreement is signed
The dealership, the agency, and PSL sign one agreement covering roles, billing per accepted referral, data-defect credits, and record access, before any customer is offered anything.
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2. The store's intake is set up
A QR code unique to that store, opening an intake page whose consent language names the one agency for that store. No generic forms and no shared codes.
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3. Staff get the offer card
The desk gets a short offer card: introduce the option, hand over the code, step back. Staff never discuss carriers, coverage, or premiums, and the card says so.
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4. Producers are named inside one agency
The agency names the licensed producers who will clock in, and their order in the queue. Referrals route only to those producers, inside that agency.
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5. Go-live, inside the contact windows
The queue opens only for contact inside the Louisiana Public Service Commission windows: no Sundays, no legal holidays, nothing between 8 p.m. and 8 a.m. Outside the windows, referrals wait for follow-up.
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6. A weekly review of every record
Store and agency review the records together once a week: consents captured, acceptances, first-contact times, and any data-defect credits, all off the same records both sides see every day.
Questions
Asked by dealers and agents
The short, straight answers.
Is PSL an insurance agency?
No. PSL is a referral platform only. It is never the agent of record, it never quotes or binds coverage, and it never advises a customer on insurance. Licensed producers at the agency named in the customer's consent do all of that.
Who actually talks to our customer?
A licensed producer at the agency the customer named in their consent. Dealership staff only make the introduction, and PSL staff never discuss insurance with customers at all.
What does the customer's consent cover?
The written consent names one agency and authorizes that agency to contact the customer about insurance for the vehicle they are buying. It also states that the customer may use any agent or agency, and that the choice does not affect the credit decision. Without that consent on file, the referral does not move.
What happens if no producer accepts?
The offer rolls to the next clocked-in producer inside the same agency. If nobody accepts in the moment, the referral waits in an asynchronous queue at that same agency and is followed up inside allowed contact hours. It is never sent to a different agency and never sold on.
What can our store see?
Your store's record shows the referrals you submitted, whether each was accepted, when first contact happened, and the insurance documents the agency returns to F and I when the policy is bound.
When will a customer be contacted?
Only inside the Louisiana Public Service Commission do-not-call windows: no Sundays, no legal holidays, and nothing between 8 p.m. and 8 a.m. A customer who opts out, including by replying STOP to a text, is not contacted again.
What does PSL never do?
PSL never quotes or binds insurance, never holds premium money, never operates anyone's carrier logins, never moves a referral without consent on file, and never ties a charge or a credit to whether a policy is sold.
What does the customer actually see and sign?
A short mobile intake page for that store. It names the one agency that will reach out, states that the customer may use any agent or agency and that the choice does not affect the credit decision or its terms, and asks for written agreement to be contacted before it collects a name, a mobile number, and the vehicle being purchased. Nothing is collected before that agreement.
What if the customer wants a different agency?
Then they use a different agency. The consent names one agency, and the referral goes only to that agency; it is never redirected to another one. The consent obligates the customer to nothing: they can decline the agency's outreach, tell the producer no, or simply work with the agency of their choice instead.
Who chooses the customer's insurance company?
The broker does the shopping and the customer makes the call. The agency named in the consent acts as a broker: its licensed agents run the customer's quote across the carriers the agency represents, bring back the best rate they find, and the customer approves it before anything is bound. PSL itself never picks a carrier, never quotes, and never sees the customer's current policy unless the customer hands it to the broker.
Who owns the consent record, and how long is it kept?
PSL keeps the consent record as part of the referral record, and the store and the agency on that referral can see it. Records are kept for five years from the date of consent, so any contact can be traced back to its permission long after the sale. A customer who opts out is suppressed from that request forward.
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 flow: consent first, then the customer's details, offered to an agent the moment it is submitted.
Agent queue
The clock-in queue screen: an incoming referral, a short window to accept, and a first message ready to send.
Store dashboard
The dealership's view: referrals submitted, accepted, and followed up, with the store's activity in one place.
Contact
Talk to us
Questions about the network, the platform, or taking part as a dealership or an agency: reach out directly.