Insurance · head to head
Ivans vs TurboRater
Ivans
Insurance
Carrier to agency data exchange infrastructure that sits under most US insurance agency management systems
- From
- On request
- Rated
- -
The short version
- They diverge on capability: Ivans covers Ivans Download, TurboRater covers Comparative rating.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Ivans and TurboRater actually diverge.
| Attribute | Ivans | TurboRater |
|---|---|---|
| Starting price | On request | $99/month |
| Pricing model | quote | subscription |
| Platforms | Web | Web, Windows |
| Founded | Unknown | 1983 |
Identical on both: free tier (No), user rating (Not yet rated), category (Insurance).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Ivans
- Ivans Download
- Ivans Exchange
- Ivans Distribution
- Market Appetite
- Download analytics for carriers
- Commission download
Only in TurboRater
- Comparative rating
- Auto insurance quoting
- Home insurance quoting
- Real-time carrier rates
- Side-by-side comparison
- E-signature
- Document generation
- Mobile quoting
What people use each for
The jobs each tool is most often brought in to do.
Ivans
- An agency evaluating a new management system that needs to confirm, carrier by carrier and line by line, which data will actually download before it signsnot TurboRater
- A carrier launching a new line that wants agency systems to receive policy data automatically rather than by rekeying from a portalnot TurboRater
- An MGA that wants its book visible to retail agencies in the same download flow as admitted carriersnot TurboRater
- An agency operations lead auditing why commission reconciliation keeps failing, which usually turns out to be a missing or misconfigured download connectionnot TurboRater
TurboRater
- Auto quotingnot Ivans
- Home quotingnot Ivans
- Rate comparisonnot Ivans
- New businessnot Ivans
- Remarketingnot Ivans
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Ivans
- Applied Systems owns both Ivans and competing agency management systems, so the neutral infrastructure that every AMS depends on is controlled by one of the AMS vendors, a conflict that rival vendors have complained about for years.
- Download coverage is decided by carriers, not by Ivans or your AMS, so a carrier that does not publish a line simply does not download it and no amount of configuration in your system will fix it.
- Eligibility requires that you are appointed and writing the line in that state, meaning newly appointed agencies wait on carrier-side setup with little visibility into where the request sits.
- Data quality varies sharply by carrier, and agencies routinely find that some carriers send incomplete or oddly mapped policy data that then has to be cleaned inside the AMS, undermining the point of automating it.
- Pricing is opaque and largely invisible to agencies because it is bundled into AMS and carrier agreements, which makes it impossible to judge what the network actually costs your business or to negotiate it.
TurboRater
Nothing recorded yet. See the TurboRater review.
Pricing, plan by plan
Ivans
On request- Ivans$undefined/year
- Ivans Exchange is provided to agencies at no additional charge, with a possible fee for Citizens of Florida business
- Carrier and MGA participation, Ivans Distribution and appetite products are quoted
- Pricing is generally embedded in the agency management system or carrier agreement rather than billed separately to the agency
TurboRater
$99/month- Basic$99/month
- Personal auto rating
- Real-time quotes
- Rate comparison
- Professional$199/month
- Auto & home rating
- Multi-carrier access
- E-signature
- Enterprise$undefined/month
- All Professional features
- Commercial lines
- API access
Which should you pick?
Choose TurboRater if
- You need comparative rating.
- You work on Web, Windows.
- You also want auto insurance quoting.
Questions people ask
- Is Ivans or TurboRater better?
- Neither clearly leads. Ivans starts at On request and TurboRater at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Ivans or TurboRater?
- Ivans starts at On request and TurboRater at $99/month.
- Does Ivans or TurboRater run on more platforms?
- Ivans runs on Web. TurboRater runs on Web, Windows.
- What is Ivans best used for?
- Ivans is most often used for an agency evaluating a new management system that needs to confirm, carrier by carrier and line by line, which data will actually download before it signs, a carrier launching a new line that wants agency systems to receive policy data automatically rather than by rekeying from a portal, an mga that wants its book visible to retail agencies in the same download flow as admitted carriers, an agency operations lead auditing why commission reconciliation keeps failing, which usually turns out to be a missing or misconfigured download connection. Of those, an agency evaluating a new management system that needs to confirm, carrier by carrier and line by line, which data will actually download before it signs and a carrier launching a new line that wants agency systems to receive policy data automatically rather than by rekeying from a portal are not what TurboRater is typically brought in for.
- What can Ivans do that TurboRater cannot?
- Ivans covers Ivans Download, Ivans Exchange, Ivans Distribution, Market Appetite. TurboRater covers Comparative rating, Auto insurance quoting, Home insurance quoting, Real-time carrier rates.
Answered from the vendors’ own pages
Ivans: Do agencies pay for Ivans?
Ivans Exchange is provided to agencies at no additional cost, with a noted exception for business written with Citizens of Florida. The economics sit with carriers and with the agency management system vendors.
Ivans: Why is a carrier not downloading?
Almost always eligibility or carrier-side publication: you must be appointed and writing that line in that state, and the carrier must publish that line for download. Check the connection status in Ivans Exchange first.
Ivans: Is Ivans owned by Applied Systems?
Yes. That matters because Applied also sells Applied Epic and EZLynx, so a competing AMS depends on infrastructure run by a competitor.
Ivans: Can you switch AMS and keep your downloads?
Connections have to be re-pointed to the new system, which is a per-carrier request through Ivans Exchange and is a common source of migration delay.
Related pages
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