Abstract: A method and system for furnishing comparison quotes for an insurance or financial services product, such as auto insurance, makes use of computer hardware, software and a network to provide a user with on-line real-time quotes from a plurality of insurance carriers. The system allows the user to input user information on an on-line application and be presented with an initial quote from a referring party. The user may select to compare the initial quote with one or more comparison quotes. The user information may be sent to a quote exchange application. Within the quote exchange application, an acquisition model of a plurality of partner insurance companies may be compared to third-party data associated with the user provided information. At least one rating engine analyzes the user entered information and other data to produce a comparison insurance rate. The user may be presented comparison quotes from various insurance companies.