Technology by RateShield. Coverage placed by an independent, licensed brokerage in the RateShield trusted network.
RateShield

Insurance software · Chicago

Insurance, without the busywork.

RateShield builds the software between “I need a quote” and “you're covered.” Brokerages use it to quote their carriers from one client file. Illinois drivers and homeowners use it to get real options from a licensed brokerage, without filling out the same form twice.

For drivers and homeowners in Illinois

Answer once. Hear back with options.

Tell us about your car or your home. An independent, licensed brokerage in the RateShield trusted network compares the carriers and walks you through what they found.

AutoHomeCondoRentersLandlordUmbrella
Start a quote →Free to compare. No account.

For independent brokerages

Quote every carrier. At once.

One client file goes into each of your carriers' own applications, and bindable quotes come back to your producer to review and bind.

Join the waitlistSee how it works ›

Early access · opening to a small group

One system, two sides

The client answers less because the producer types less.

Every quote moves from a first question to a signed policy. RateShield keeps one file for that whole trip, so nobody asks for the same thing twice.

  1. 01 · Ask

    The client
    Answers a few questions, once.
    The producer
    Sees the request with what is already known.

  2. 02 · File

    The client
    Gets a text only for what nobody else can answer.
    The producer
    Has one file: the home, the cars, the current policy.

  3. 03 · Quote

    The client
    Goes back to their day.
    The producer
    Quotes their carriers from that one file.

  4. 04 · Present

    The client
    Reads the options in plain English, on their phone.
    The producer
    Makes one call: the proposal.

  5. 05 · Bind

    The client
    Says yes. The policy is theirs.
    The producer
    Records the sale. The book updates itself.

Shopping for insurance

Real numbers from a licensed brokerage.

The brokerage in the RateShield trusted network places auto, home, condo, renters, landlord and umbrella coverage in Illinois. It's independent, so it isn't owned by a carrier, and if staying where you are is your best move, they'll say so.

Start hereGet a quote →Auto, home, condo, renters, landlord and umbrella, in one form. No account needed.
ToolsAuto calculator →See what drivers like you pay, then get it priced for real.
Second lookCheck my policy →Upload a declarations page and see what you have, in plain English.

Illinois

Where the network works today

One brokerage

Your request goes to one, not a list

Free to compare

The carrier pays the brokerage

Named up front

The form says which brokerage gets it

Worth knowing

What actually moves your rate

Quotes feel random. They aren't. Six factors drive most of the price of auto insurance, and every one is a lever. Pick one to see how it works.

Your driving record

Impact on your price

Accidents and tickets from roughly the last three to five years count against you, then age off.

What helps: If a ticket just aged off, re-shop. Your old carrier will not lower your rate on its own.

For independent brokerages

From prospect to bind, in one place.

Your producers were hired to sell. RateShield takes the retyping off their desk and puts bindable quotes in front of them, with everything around the quote built in.

Bindable quotesEvery carrier, from one file.Your producer reviews, affirms and binds. The license stays with the person who holds it.
The client fileBuilt before the first call.What is already known about the home, the cars and the current policy, in one place.
Client textingThe client answers from their phone.Only the questions they can answer, and the answers land in the file.
ProposalsRead and accepted on a phone.Branded, in plain English, with a yes button.
AskA second opinion on any risk.An assistant that helps size up a risk before you quote it, with sources you can check.
Your bookKept current by every sale.Renewals, cross-sell and what's next, every morning.
Join the waitlistSee how it worksBuilt and used daily inside an independent Illinois agency.

Who does what

Software here. Licensed advice there.

RateShield is an insurance software company in Chicago, founded by Jack Ray. We are not an insurance company, agency or brokerage, and we never quote, advise on or sell a policy.

When you shop for coverage here, your request goes to an independent, licensed brokerage in the RateShield trusted network. They compare the market, place your policy and look after it from then on.

More about how we work →
How everyone gets paid
Carriers pay the brokerage a commission when you choose a policy. The brokerage pays RateShield for the technology. Comparing is free and you never pay either of us directly.
Who holds your policy
The brokerage that placed it. Their name is on your declarations page, and they're who you call at renewal or after a claim.
Straight answers
If staying with your current carrier is your best move, that's exactly what your producer will tell you.

Worth reading

Common questions

Straight answers. If yours isn't here, call (773) 850-3801 and ask a person.

No. RateShield is a technology company. We take your request, do the data work, and send it to an independent, licensed brokerage in the RateShield trusted network. Every quote, recommendation, and policy comes from them, never from RateShield.

Yes. Comparing quotes costs nothing and carries no obligation. If you choose a policy, the carrier pays the brokerage a commission. You never pay RateShield directly.

A licensed Illinois producer at the brokerage named on your request form. If you opted into texts, we text you their name and direct number as soon as you submit. No call centers, no pressure, one conversation.

Weekdays from 9:30am to 5pm, your producer gets you real numbers in about 10 to 20 minutes, faster when you answer the few follow-up questions right away. Requests that come in after hours are picked up first thing the next business morning.

No. If your current policy is the better deal, your producer will tell you exactly that and leave it there.

The basics: your ZIP, your vehicle or home, and how to reach you. Your producer handles everything else.

Your details go to one place: the brokerage named on your request form, whose licensed producer handles your quote. They are never sent to a list of agents.

For dealerships

Your buyers need insurance at the desk.

Hand them to a licensed, independent brokerage in the RateShield trusted network, with zero extra work for your team.

Partner with RateShield →