Softwr

Insurance · head to head

NowCerts vs Root Insurance

NowCerts logo

NowCerts

Insurance

Agency management system for independent insurance agencies, now sold as Momentum AMP

From
$99/month
Rated
-
Full reviewWebsite
Root Insurance logo

Root Insurance

Insurance

Car insurance priced primarily on driving behavior measured through an app test drive

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: NowCerts the product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.; Root Insurance no specific pricing rates published on website
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which NowCerts and Root Insurance actually diverge.

Attributes where NowCerts and Root Insurance differ
AttributeNowCertsRoot Insurance
Starting price$99/monthOn request
Pricing modelPer month by seat bandquote
PlatformsWeb, iOS, AndroidWeb

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 NowCerts

  • Policy and client management
  • ACORD forms and certificates
  • Commission reconciliation
  • Insured self-service portal
  • Carrier download
  • Momentum Automation Center
  • Momentum Rate

Only in Root Insurance

Nothing recorded that NowCerts does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

NowCerts

  • A five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and ID cards issued without rekeying datanot Root Insurance
  • An agency being repriced off Applied Epic or AMS360 that wants comparable core servicing at roughly a third of the seat costnot Root Insurance
  • A commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account managernot Root Insurance
  • A newly formed agency that wants an AMS, a comparative rater and lead generation from one vendor rather than stitching three contracts togethernot Root Insurance

Root Insurance

  • Obtaining lower premiums through telematics-based driving behavior assessmentnot NowCerts
  • Stabilizing insurance costs for budget-conscious and single-parent driversnot NowCerts
  • Filing claims through mobile app within three minutesnot NowCerts
  • Accessing roadside assistance for towing and emergency lockout servicesnot NowCerts
  • Earning referral rewards by recommending to other driversnot NowCerts

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

NowCerts

  • The product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • Accounting is functional but shallow next to AMS360, so agencies that run trust accounting or need detailed general ledger treatment usually keep a separate accounting package and reconcile manually.
  • Commercial lines handling, particularly complex schedules and multi-location risks, is weaker than Applied Epic, which is why larger commercial agencies routinely reject it after a proof of concept.
  • Real onboarding is a paid add-on: professional services run 1,950 dollars a month for a split resource or 2,950 for a dedicated one, plus a 900 dollar onboarding fee, so the headline 99 dollar plan is not the true first-year cost for an agency migrating data.
  • The platform is now stacking separately priced modules, with the automation centre, rating and voice each carrying their own monthly fee, and an agency that wants all of them ends up paying several times the advertised AMS price.

Root Insurance

  • No specific pricing rates published on website
  • Quote-based model requires app download and test drive completion
  • Rates calculated primarily on driving habits with telematics data
  • Geographic restrictions apply (California and Maryland residents cannot use telematics-based pricing)

Pricing, plan by plan

NowCerts

$99/month
  • Essentials$99/month
    • 1 user included
    • Additional seats 45 USD each
    • Client and policy management
  • Professional$169/month
    • 2 users included
    • Sales pipeline
    • Renewal centre
  • Business$349/month
    • 5 users included
    • Billing and accounting
    • Commission reconciliation
  • Enterprise$undefined/month
    • 50 or more users
    • Quoted
    • Additional seats 45 USD each

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Which should you pick?

Choose NowCerts if

  • You need policy and client management.
  • You work on Web, iOS, Android.
  • You also want acord forms and certificates.
NowCerts review

Choose Root Insurance if

Nothing in the data separates Root Insurance from NowCerts on the points above - pick on price and on how each one feels to use.

Root Insurance review

Questions people ask

Is NowCerts or Root Insurance better?
Neither clearly leads. NowCerts starts at $99/month and Root Insurance at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, NowCerts or Root Insurance?
NowCerts starts at $99/month and Root Insurance at On request.
Does NowCerts or Root Insurance run on more platforms?
NowCerts runs on Web, iOS, Android. Root Insurance runs on Web.
What is NowCerts best used for?
NowCerts is most often used for a five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and id cards issued without rekeying data, an agency being repriced off applied epic or ams360 that wants comparable core servicing at roughly a third of the seat cost, a commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account manager, a newly formed agency that wants an ams, a comparative rater and lead generation from one vendor rather than stitching three contracts together. Of those, a five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and id cards issued without rekeying data and an agency being repriced off applied epic or ams360 that wants comparable core servicing at roughly a third of the seat cost are not what Root Insurance is typically brought in for.
What can NowCerts do that Root Insurance cannot?
NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

NowCerts: Is NowCerts still sold?

Yes, but under a different name. NowCerts Inc. rebranded to Momentum in November 2024 and the agency management system is now sold as Momentum AMP. Contract with Momentum, not NowCerts.

Root Insurance: How much does Root Insurance cost?

Root Insurance does not publish specific rates. Customers receive personalized quotes after completing a test drive period (several weeks) in the Root app. Savings up to $1,300 per year mentioned for best drivers.

Source
NowCerts: What does it actually cost for a five-person agency?

349 US dollars a month on the Business plan covers five users. Add roughly 100 to 300 a month if you want the rating engine, and a one-off 900 dollar onboarding fee.

Root Insurance: How does Root determine insurance rates?

Root primarily bases rates on driving habits analyzed through smartphone sensor data and telematics collected during the app-based test drive period. Safe drivers receive lower personalized quotes.

Source
NowCerts: Does it do carrier download?

Yes, through the industry download infrastructure, but carrier coverage is narrower than Applied or Vertafore systems, so confirm your specific carriers before signing.

Root Insurance: What is the Root Insurance pricing model?

Root uses a quote-based model where customers download the app, complete a test drive, and receive a personalized insurance quote. Rates vary by individual driving behavior and geographic location.

Source
NowCerts: Can it replace Applied Epic?

For small personal lines and light commercial agencies, generally yes. For agencies with heavy commercial schedules or trust accounting requirements, generally no.

Share

Related pages

More on NowCerts

More on Root Insurance

Keep looking

Other head to heads