6 June 2025

The Best Insurance Agency Software for Growing Your Book of Business

Technology developments never pause. Yet most insurance agency software on the market today was built for the needs of yesterday’s agencies. Many agents are familiar with the struggle – you’re either working with minimal quoting tools, or unwieldy management systems, and either way, it feels like they make more work than they save.

For growth-minded agents looking for real tools to grow their insurance book of business, these legacy tools fall far short. Agents want a solution that will accelerate their quote time and expand their carrier access, while helping them keep customer service strong – all the better if it is in one centralized, user-friendly platform. With the right insurance agency software for independent agencies, that goal is in reach. It’s just a matter of finding the right partner with the tools to help you grow.

How Traditional Insurance Agency Software Holds You Back

For many agents looking for the best software to grow an independent insurance agency, there’s a catch-22. You can either have the functionality you need, or the usability and carrier access you want. Even among many of the best insurance agency software options on the market, you get a wealth of administrative capabilities, but without the modernized quoting tools to help simplify your workday.

There are, of course, standalone quoting platforms. But without full integration, this simply means duplicate data entry and a fragmented workflow that can create as many problems as it solves.

This creates some significant bottlenecks familiar to many agents.

Increased Administrative Burden

Often, agents are already struggling with tools requiring multiple logins and using different interfaces. Are they really time savers if you have to manually enter client information on each platform? While no one quite agrees on how much of an agent’s day administrative work eats up, estimations run as high as 40-60%.

Any time spent on basic admin is time that could be spent selling and growing your book. Unlike many modern industries, insurance has not managed to improve its productivity significantly, and a lack of truly time-saving insurance agency software is a major stumbling block in that needed revolution.

Slow Quoting Times

How fast you can deliver an effective quote to your potential customer is a major factor in whether you secure their business. Research suggests that 50% of sales typically go to the first party that can offer a quote, and that companies that respond within an hour are way more likely to convert a new customer than if they receive it just 24 hours later.

Legacy AMS systems with limited quoting capability do little to support independent agencies in improving their responsiveness. And using disconnected quoting tools that need you to re-enter customer data simply delays your turnaround time.

Limited Carrier Access

Ideally, the best insurance software for small agencies should open new doors for carrier access. Smaller agencies are often constrained to a small market pool. Without broader market access, independent agents can’t leverage a key competitive advantage: the ability to shop multiple carriers to get their customers the best coverage and pricing.

Nor can they adequately match potential customers to carriers with the right appetite, leading to knock-on declines of coverage and other frustrations. Inflexible tech that doesn’t support multi-carrier access simply doesn’t offer what they need.

The result? Slower quotes, frustrated clients, and missed growth opportunities – all because your insurance agent software wasn’t built for today’s competitive landscape.

What Growth-Ready Agencies Should Look for in a Platform

What, then, is the solution to finding the best insurance agency software for independent agents? You need an all-in-one insurance platform built specifically for your needs and able to deliver on these 4 key points:

Fast, flexible quoting across multiple carriers: Software for independent agents should streamline multi-carrier quoting without needing direct appointments. The ability to input client information once and receive quotes from numerous markets simultaneously isn’t just convenient – it’s essential for agencies looking to scale.
Intuitive interfaces with a minimal learning curve: The best insurance software for small agencies shouldn’t require weeks of implementation or complex technical knowledge. You should be able to adopt the system quickly and start seeing results immediately.
Access to a broad network of personal and commercial carriers: Expanded market access lets you offer clients more options and compete effectively against both captive agents and direct writers.
Integrated service tools that reduce time spent on manual tasks: When you choose insurance agency software with carrier access that integrates quoting, binding, and servicing in an all-in-one platform, you skip the constant switching between systems and other time sinks that plague many agencies. Now you can focus that time on revenue-generating activities.

bolt: The Insurance Platform that Delivers

bolt is proud to offer a holistic, all-in-one insurance platform that vastly simplifies finding the right tools to grow your insurance book of business. The bolt platform brings every aspect of your daily workflow together through a single API into one intuitive, cloud-based, omnichannel insurance distribution solution.

The bolt Dynamic Quoting Questionnaire intelligently adapts to each client scenario, asking only relevant questions and eliminating redundant data entry. This helps you complete quotes in minutes, not hours, allowing for real-time quoting.

This integration extends beyond quoting. bolt unifies the entire client lifecycle – from initial quote to binding and ongoing service – eliminating the need to juggle multiple systems. This also helps you offer the seamless digital experiences and hyper-personalization which customers now expect. A cohesive workflow also helps you save on administrative time.

With bolt, you also expand your carrier access to over 100 carriers, without the need to manage direct appointments. This expanded access means you can serve virtually any client need from one platform, across both personal and commercial lines.

The bolt platform was built for busy agents who need the best software to grow an independent insurance agency from day one.

Real Results for Growing Agencies: Key Takeaways

By removing technology constraints with the right insurance agency software and an all-in-one insurance platform like bolt, you unlock the tools to grow your insurance book of business sustainably – without increasing administrative burdens. This helps keep operations lean while growing revenue and still enjoying:

Time savings in quoting and binding
More closed deals due to greater product access
Happier clients due to faster turnaround and coverage options

Now you know the core features that fuel agency growth, it’s time to stop letting outdated software hold you back. The best insurance software for small agencies doesn’t just keep pace with industry changes – it positions you to capitalize on them. bolt’s continuous platform enhancements ensure you’re always working with cutting-edge technology, not struggling with obsolete systems, offering you everything that growing agencies need in one simple package.

If you’re ready to upgrade your insurance agency software with carrier access and built-in time savings, see how bolt can help you grow faster.