Every car buyer needs insurance before they can drive off. PSL captures the buyer’s consent in the store to one named agency, a broker, and routes the referral there, first contact inside 60 seconds whenever Louisiana’s contact window is open. The customer consents to that agency, and only to that agency. Its licensed producers then do the shopping: they run the quote across the carriers the agency represents and place whichever coverage is best for that customer at the best rate they can find. When the policy binds, the agency sends the binder and the documents F&I actually needs straight back to the store, so delivery doesn’t stall, funding doesn’t wait, and the customer just drives off. Painless for the dealership. Seamless for the customer.
ILLUSTRATIVE CONVERSATION · DEMO DATA
The 60-second queue
The moment a buyer signs, the clock starts. PSL’s queue offers the referral to the named agency’s producers in order, confirms acceptance, and gets a real first message out, before the buyer has finished their coffee in the delivery lane. The 60-second standard runs inside Louisiana’s permitted contact windows; consent captured after hours is held and fires the moment the window opens.
The buyer names one agency, a broker, and authorizes contact from that agency. They do not consent to any carrier individually; shopping the carriers is the agency’s job after the handshake. 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
PSL is a referral, not a sales pitch. The dealership introduces, the buyer chooses one agency, and that agency’s producers shop the carriers and quote. Every step is built so the consent the buyer gave, to one agency and only that agency, is exactly the contact they get.
That need exists long before the deal is done. It’s there on the sales floor, while the vehicle and the payment are still being decided. Run the introduction in F&I and PSL makes delivery painless. Run it earlier, on the floor, and the same introduction becomes a sales tool (see For Sales below). Either way, the buyer still needs coverage that fits the new vehicle, the lienholder, and the loan terms, and their current coverage may not.
One short script, one screen. The buyer sees the agency by name and chooses whether to be introduced. That one choice is the whole consent: to that agency, not to a list of carriers. No pressure: a skipped offer is simply the end of it.
What the buyer agreed to, the exact disclosure they saw, and when, stored as a consent record that can be produced later, for any referral, on demand.
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.
A real producer reaches out from the agency’s own registered number, during Louisiana’s permitted contact windows, then runs the quote across the carriers the agency represents and places whichever one is best for the customer.
When the customer binds, the agency sends F&I the binder, proof of insurance, and the relevant policy documents for the deal jacket, lienholder correct, vehicle correct, ready for delivery and funding. The customer doesn’t have to carry paperwork back and forth, and F&I doesn’t have to chase it. The referral itself is still billed as a flat fee, the same whether the policy binds or not, because the fee is for the referral, full stop.
The bright line: PSL never quotes, never shops carriers, never picks coverage, and never sells insurance. Choosing between carriers is licensed work. The named agency’s producers do it, under the customer’s consent to that agency. Intake asks only what a referral needs: who the buyer is, what they bought, and how to reach them. Everything about insurance happens with the agency, the broker the buyer chose.
The referral record
When a referral moves, PSL writes down exactly what moved, what the buyer agreed to, and what happened next. This is the record both sides can pull at any time, the same record that answers an auditor, a dispute, or a regulator.
Anyone can sell a name and a phone number. What makes a referral defensible, to a regulator, to the dealer’s compliance office, to the buyer, is the paper trail behind it.
The disclosure version, the timestamp, and the agency named, retrievable per referral, not reconstructed after the fact.
The record names a single agency, the one in the consent. The carriers the agency shops are not recipients of the referral and never receive the buyer’s consent; they are quoted by the agency’s producers, on the customer’s behalf, after the handshake. If routing ever pointed anywhere else, the record would show it, which is exactly why it never does.
An opt-out lands on the suppression list immediately and permanently, honored across every store and agency on the platform, not just the one that heard it.
Wrong number? Duplicate? The record shows what was captured and when, so data-defect credits are a lookup, not an argument.
At the desk, the buyer is present, the vehicle is real, and the need is immediate, not a cold list worked three days later. Handled there, insurance stops being the errand that delays delivery and becomes a seamless part of buying the car: because the agency is a broker, the customer isn’t handed a single take-it-or-leave-it quote. The agency shops its carriers and places the best rate it can find. The customer has a better buying experience, and F&I gets the bound policy’s documents back without asking twice.
Why F&I actually cares
Proof that someone sent a text doesn’t deliver a vehicle. What F&I needs, and what the lender requires, is a bound policy with the right documents attached. PSL builds that return trip into the workflow, so the part dealerships and customers usually dread becomes the easiest part of the deal. And speed alone isn’t the value: because the agency is a broker, its producers shop the quote and place the best rate they can find for that customer. Real savings on coverage, found in the store, go straight back into the customer’s monthly budget.
When the policy binds, the agency sends the dealership the binder, proof of insurance, ID cards, and the relevant policy documents, vehicle and lienholder listed correctly, directly to F&I for the deal jacket. No chasing the customer for a screenshot. No delivery held up while someone hunts for a declarations page. No funding packet missing its insurance piece.
The customer doesn’t get sent away to “go figure out insurance” and come back with paperwork. They consent to one agency at the desk, talk to a real producer while they’re still at the store, and the agency shops the carriers it represents, so the premium they bind is the best the agency could place for them, not the first quote that came back. Money saved on coverage is money back in their monthly budget. Then they bind and drive off, car and coverage handled in the same visit. That is a better buying experience, start to finish.
A customer who is already at your store, in F&I, signing, ready to take delivery, is there to buy. Send that customer away to sort insurance on their own and you introduce delay, doubt, and a reason for the deal to cool off. Handle it inside the visit and you protect the momentum you already have: the same customers, a smoother close, and delivery the same day.
Painless, seamless, easy, for both sides of the desk. The dealership does one introduction and gets finished documents back. The customer does one consent and drives off insured. The agency does the insurance work it’s licensed for, including shopping its carriers for the best rate. Nobody carries paperwork between the other two, and nobody has to wonder where things stand.
The broker advantage
This is the part that makes PSL a real asset to a dealership, not just quicker paperwork. The customer names one agency, a broker, and consents to that agency alone. Its licensed producers then do what a broker is for: run the quote across the carriers the agency represents and place whichever one is best for the customer.
The buyer agrees to be contacted by the agency named at the desk, a broker. They never consent to any carrier one by one, and no carrier receives their information from PSL. One consent, one agency, one first call to expect.
The agency represents multiple carriers. Its producers compare them for that customer, their vehicle, their record, their household, and use whichever carrier gives them the best combination of rate and fit. The customer gets a broker working the market for them, not one company’s price.
Coverage is a real line in a car buyer’s monthly budget. When the agency’s shopping finds a meaningfully lower premium than the customer expected to pay, that difference doesn’t vanish. It frees up monthly income the customer can put toward the vehicle itself, with their bills still covered. Savings vary by customer and carrier; the point is the shopping actually happens, in the store, before the numbers are final.
Run it before F&I, and it’s a sales tool. The payment bump, in full, is next. The quote doesn’t have to wait until the deal is done. A customer who walked in budgeting a certain amount for insurance and finds the agency can place it for less suddenly has room in their monthly picture, room that can make the vehicle they actually want fit comfortably. The desk learns about the savings while the deal is still being built, not after it’s already been squeezed. And the shopping itself is always the agency’s licensed work. PSL routes the consent and never touches the quote. See how sales uses it, step by step →
For sales, before F&I
A customer doesn’t live on a car payment alone. They live on a total: car payment plus insurance plus every other bill. Sales usually only negotiates the first number, and when it’s too high, the only lever is discounting the car. PSL gives the desk a second lever. Run the introduction early, while the deal is still being built, and if the agency’s shopping finds a lower premium than the customer budgeted for, that saving is real monthly room, room the customer can choose to put toward a more expensive vehicle while their total monthly picture, and their bills, stay covered.
Don’t wait until F&I. While you’re qualifying the customer and landing them on a vehicle, ask what they pay, or expect to pay, for insurance. For a lot of buyers that number is a guess, an old premium, or a quote for the wrong car. That guess is quietly capping what they think they can afford.
Offer the same introduction F&I offers, just earlier: “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?” If they say yes, PSL captures consent to that agency only and routes it in under 60 seconds. No consent, no contact, and the sale carries on exactly as before.
A producer at the agency takes the Handshake and works the quote across the carriers the agency represents, while you’re still on the test drive, the appraisal, or the desk. You don’t stop selling to wait on insurance, and you never touch the quote yourself: shopping carriers is the agency’s licensed work.
If the agency places coverage for less than the customer budgeted, the desk now knows the actual insurance number, not the guess. The freed amount can be shown to the customer, plainly, as part of their total monthly picture, and they can choose to step up: the higher trim, the bigger vehicle, the one they wanted first. If the agency finds no saving, nothing is lost. The customer is still insured for delivery and the deal proceeds as built.
When a customer says “that payment is too much,” they usually mean their total month is too much. Cutting the price of the car to fix it costs the store gross and still leaves an overpriced premium untouched. Finding the money on the insurance side is different:
The bump comes from a lower premium the agency actually found, not from the dealership giving up money on the vehicle to force a payment to fit.
The customer stuck between the base model they can “afford” and the vehicle they actually want is often only stuck on the total. Free real money on coverage each month and the vehicle they wanted can fit inside the same total they walked in prepared to spend.
Before the desk discounts, trades numbers, or loses the deal, check the other half of the customer’s car budget. A real placed premium beats arguing over a guessed one.
Not every customer bumps. Some keep the vehicle they picked and simply pay less for coverage every month. Either way they leave with a better monthly picture than they walked in with, and they remember which store did that for them.
How sales says it“Before we lock in numbers, let me have our insurance agency partner shop your coverage. They represent a bunch of carriers and place whichever one’s best for you. A lot of people are budgeting way more for insurance than they’d actually pay. If they find you a lower premium, that’s money back in your month, and it might make the vehicle you really want fit comfortably. Want me to have them run it while we finish up here?”
An honest bump, or no bump. This is not payment packing and it’s never presented that way. The customer sees both real numbers, the vehicle payment and the premium the agency actually placed, and chooses where the saving goes: a bigger vehicle, or a smaller month. The saving is never invented, estimated into the deal, or promised before the agency finds it; if the shopping finds nothing, the desk says so. Sales introduces and sells the car. The agency, and only the agency, shops, quotes, and places the coverage.
Who does what
Most referral 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.
Introduces · never sells insurance
Shops carriers · quotes · binds · owns the customer
Routes · records · never touches coverage
Compliance, in plain English
Referral businesses live or die on the details regulators actually check. PSL’s rules aren’t a policy page; they’re wired into how the queue behaves.
No referral moves without a recorded authorization that names the agency, a broker, the buyer will hear from. The consent runs to that agency alone: it does not name, and does not need to name, any carrier the agency may shop on the customer’s behalf, because quoting and placement are the agency’s licensed work after consent. The disclosure the buyer saw, including that buying a car never depends on accepting the introduction, is stored with the timestamp.
REF · TCPA PRIOR EXPRESS WRITTEN CONSENT · 47 CFR 64.1200
The state Public Service Commission bars solicitation calls before 8 a.m. and after 8 p.m., and all day on Sundays and legal holidays. Consent captured outside the window is held. The queue fires when the window opens, not when it’s convenient.
REF · LPSC DO-NOT-CALL GENERAL ORDER
Carriers reject third-party lead-gen messaging and consent shared between companies. So first contact goes out under the agency’s own registered brand and number, the exact name in the buyer’s consent. PSL never texts buyers as itself.
REF · CARRIER A2P 10DLC BRAND RULES · NO SHARED CONSENT
Any reasonable revocation ends contact. PSL treats all of these as an immediate, permanent opt-out, applied platform-wide the moment it arrives:
REF · FCC CONSENT-REVOCATION RULES
Billing, without surprises
The fee is paid solely on the basis of the referral, the same amount whether the buyer binds a policy, keeps shopping, or never answers. That separation is what keeps the fee a referral fee, and keeps everyone’s incentives clean.
One definition, everywhere. The billable event, the payout trigger, and the credit rule are the same sentences in the dealership agreement, the agency agreement, and the platform’s own ledger, so a month-end reconciliation is a comparison, not a negotiation.
The pilot
PSL launches as a single-dealership pilot with one named agency as the broker, deliberately, so every consent, every contact, and every dollar can be checked by hand. From there, partners grow with the founding network as it expands store by store: agencies aren’t betting on one store, and dealerships aren’t building a one-off workaround.
The dealership and the agency sign partner terms covering roles, the flat fee, the billable event, data handling, and who carries what liability. Nothing routes before signatures.
The agency’s texting brand and number are registered under its own name, producers are loaded into the rotation, and the queue is tested end-to-end with demo referrals.
A fifteen-minute session: the offer script, the intake screen, the early on-the-floor version sales uses for the payment bump, and the one rule that matters, the buyer chooses, every time. The return path is wired up too: when a policy binds, its binder and documents land directly in the deal jacket.
Referrals flow. PSL reviews consent records, contact times, and credits daily during the pilot, and both partners get the full ledger: every referral, every outcome, nothing sampled.
For agencies & producers
Questions
Platform preview
These interactive previews use demo data only. Nothing entered is sent or saved.
The per-store QR intake flow: consent first, then the customer’s details, offered to a producer the moment it is submitted.
The clock-in queue screen: an incoming referral, a short window to accept, and a first message ready to send.
The dealership’s view: referrals submitted, accepted, and followed up, with the store’s activity in one place.
Contact
Questions about the network, the platform, or taking part as a dealership or an agency: reach out directly.
The pilot is enrolling
Make insurance the easiest part of buying a car at your store, and a tool your sales floor can actually sell with. Run it before F&I and a premium saving the agency finds can free budget a customer puts toward the vehicle they actually want, at the same total month they walked in with. Your customers consent to one agency, the agency shops its carriers for the best rate it can place, coverage binds in the same visit and they drive off. Your F&I office gets the binder and documents back without chasing them, and agencies join a founding network built to grow store by store. If you run a store or an agency in Louisiana and want the pilot brief, the full flow, the fee structure, and the compliance file, ask for it.
