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Tarmika for insurance agencies: faster multi-carrier quoting
Setting up a tool like this can get tricky. Find a local pro to handle it for you.
The short version:
- What it is: a comparative rater (multi-carrier quoting tool) for property and casualty (P&C -- home, auto, and small-business) insurance lines.
- What it does: you enter the client's details once, and it returns quotes from the carriers you are appointed with, lined up side by side.
- What it costs: quote-based. The vendor site shows a demo request, not a price. Ask for a quote at tarmika.com.
- Who makes it: Applied Systems, which also builds agency management systems (AMS -- the software that stores your policies and client files).
- The limit: it is built for quoting. You, the producer, still confirm each quote fits the client, and you bind through the carrier.
See it in action
A short walkthrough of Tarmika quoting several P&C carriers from one data entry is on the way.
What does Tarmika do for an insurance agency?
Tarmika is a comparative rater. You enter a client's home, auto, or small-business details one time, and it sends that to the carriers you are appointed with, then returns their quotes side by side. It cuts out logging into each carrier portal and rekeying the same risk over and over.
For an independent P&C agency, the day-to-day payoff is quoting speed. When a prospect calls for a home-and-auto price, you can put several carriers in front of them in one pass instead of working through portals one at a time. The faster you quote, the better your odds on lead response, where the first agent to reply often wins the account.
What does Tarmika cost?
Pricing is quote-based. Tarmika's website is set up for a demo request, and it does not publish a price or a plan table. To get a number, you request a demo and quote directly from the vendor.
Because there is no public rate, treat any figure you hear elsewhere with care and confirm it with Tarmika before you budget around it.
Pricing is vendor-controlled and not published; request current pricing at tarmika.com (vendor site, checked 2026-07-29).
Who is it for -- and not for?
A fit if…
- You are an independent P&C agency quoting across several carriers, and you are tired of rekeying the same risk into each carrier's portal.
- You want to quote home, auto, or small-business lines faster so you can respond to new leads while they are still shopping.
- You hold appointments with multiple carriers and want their prices in one view.
- You already run Applied Systems software and want quoting that sits close to it.
Not for you if…
- You write mostly one line with one carrier -- a rater saves you far less when there is little to compare.
- You want a full agency management system or a client CRM (customer relationship management software); a rater is a quoting tool, not the system that stores and services your book.
- You need a published, fixed price before you will talk to a vendor; Tarmika is quote-only.
Looking at how you follow up on those quotes too? See our GloveBox review, or the full field in the insurance agency software comparison.
A note on quotes and appointments
A rater speeds up quoting; it does not take on the producer's job. You confirm that each quote is accurate and suitable for the client before you present or bind it. A quote is only usable if you hold an appointment with that carrier, and carrier rules on eligibility and binding still apply.
This is background, not legal or compliance advice. Your licensing, appointment, and errors-and-omissions duties stay with your agency, and you confirm them with your carriers and your compliance lead.
Common questions
How much does Tarmika cost?
Pricing is quote-based. The Tarmika website is demo-request only, with no public price listed, so you ask for a quote at tarmika.com. Confirm current pricing directly with the vendor.
What is Tarmika?
Tarmika is a comparative rater -- a tool that quotes several P&C carriers at once from a single data entry, so you do not rekey the same risk into each carrier's portal. It is owned by Applied Systems.
Does Tarmika bind or issue policies?
No. Tarmika is built for quoting. You, the producer, still confirm each quote fits the client, and you bind through the carrier. You need an appointment with a carrier for its quotes to be usable.
Who is Tarmika for?
Independent P&C agencies that quote across several carriers and want to stop rekeying the same client details into each carrier's separate portal. If you write mostly one line with one carrier, a rater saves you less. Find a local pro by zip below if you want help setting it up.
Sources
Pricing is vendor-controlled and changes; confirm it with the vendor before you buy.
Tarmika (an Applied Systems company) -- tarmika.com (comparative rater for P&C insurance agencies; pricing is quote-based, demo request only, no public price). Vendor site, checked 2026-07-29. Last reviewed: 2026-07-29.
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