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Insurance · head to head

NowCerts vs TurboRater

NowCerts logo

NowCerts

Insurance

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

From
$99/month
Rated
-
Full reviewWebsite
TurboRater logo

TurboRater

Insurance

Fast comparative rating for personal lines

From
$99/month
Rated
-
Full reviewWebsite

The short version

  • They diverge on capability: NowCerts covers Policy and client management, TurboRater covers Comparative rating.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which NowCerts and TurboRater actually diverge.

Attributes where NowCerts and TurboRater differ
AttributeNowCertsTurboRater
Pricing modelPer month by seat bandsubscription
PlatformsWeb, iOS, AndroidWeb, Windows
FoundedUnknown1983

Identical on both: starting price ($99/month), 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 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.

NowCerts

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

TurboRater

  • Auto quotingnot NowCerts
  • Home quotingnot NowCerts
  • Rate comparisonnot NowCerts
  • New businessnot NowCerts
  • Remarketingnot 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.

TurboRater

Nothing recorded yet. See the TurboRater review.

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

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 NowCerts if

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

Choose TurboRater if

  • You need comparative rating.
  • You work on Web, Windows.
  • You also want auto insurance quoting.
TurboRater review

Questions people ask

Is NowCerts or TurboRater better?
Neither clearly leads. NowCerts starts at $99/month and TurboRater at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, NowCerts or TurboRater?
NowCerts starts at $99/month and TurboRater at $99/month.
Does NowCerts or TurboRater run on more platforms?
NowCerts runs on Web, iOS, Android. TurboRater runs on Web, Windows.
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 TurboRater is typically brought in for.
What can NowCerts do that TurboRater cannot?
NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal. TurboRater covers Comparative rating, Auto insurance quoting, Home insurance quoting, Real-time carrier rates.

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.

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.

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.

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.

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