⚡ Built in Chandler, Arizona · Serving independent agencies nationwide
Insurance CRM Built for Independent Agents
Reviewed by Charlie DeFelice, founder of Viking Marketing · Updated October 28, 2026
Most agencies don't lose renewals on price. They lose them because nobody reached out before the policy lapsed. Viking's insurance CRM keeps every client, policy and renewal date on one record, reminds the client and your team before the renewal window closes, and keeps cross-sell notes where the next person will see them.
Flat from $297/month · No per-seat fees · Live in about 48 hours · Compare insurance CRMs · Is texting clients TCPA compliant?
- Every policy and renewal date on one client record.
- Renewal reminders sent before the window closes.
- Cross-sell notes that don't get lost.
- Flat price, no per-seat or per-contact fees
An insurance CRM is the system of record for every client relationship an agency manages. It holds each client's policies, renewal dates, cross-sell opportunities and conversation history, and it prompts your team to act before a renewal or a follow-up slips. A spreadsheet can hold names and numbers. It cannot tell you which of this month's 40 renewals nobody has contacted yet.
When you compare insurance CRMs, check four things: whether it tracks renewal dates per policy, not just per client; whether it sends reminders on its own; whether texts, emails and notes live on the same record; and what it costs as your team grows.
Why Agencies Lose Renewals They Should Have Kept
A policyholder rarely calls to say they're leaving. The policy just lapses, sometimes because a competitor reached out first with a lower quote, and often because nobody from the current agency got in touch before the renewal date. Without a system tracking every upcoming renewal, that outreach depends on someone remembering to check a spreadsheet.
Cross-sell has the same gap. A client who asked about bundling home and auto, or mentioned starting a small business, is real revenue if someone follows up. If the note sits in one producer's inbox, it's worth nothing.
Viking's CRM closes both gaps. Upcoming renewals and flagged opportunities come up automatically, so outreach happens on a schedule instead of from memory.
How the Insurance CRM Works
Setup takes about 48 hours. After that, renewals and follow-ups run on a schedule your agency sets.
Your book of business comes in.
During setup our team imports your existing clients and leads, so every contact starts on one record instead of across email, texts and paper files.
Each policy carries its own renewal date.
Auto, home, life and commercial policies sit on the same client record, each with its own date and notes. Your team sees who renews this month without opening a spreadsheet.
Reminders go out before the window closes.
You set the outreach window, for example 45 days before renewal. When a policy enters it, Viking messages the client and alerts your team, so the client hears from you before a competitor calls.
Cross-sell notes stay on the record.
When a client mentions a policy they don't have yet, the note stays on their record and can be flagged for follow-up, so it gets acted on instead of forgotten.
Every conversation is logged in one place.
Texts, emails, web chats and social messages save to the client's record, so anyone on your team can pick up where the last person left off.
One Client Record, Every Line You Write
Most clients hold more than one policy. The CRM keeps them together, so a renewal on one line is also a chance to talk about the next.
Auto
Renewal date, vehicles and drivers on the policy, and a note when a client mentions a new car or a teen driver.
Home
Renewal date and property notes, with a bundling flag when the client's auto is written somewhere else.
Life
Review dates and life-event notes, such as a new child, a home purchase or retirement, so the conversation happens when it's relevant.
Commercial
Renewal dates, business details and producer notes for the accounts where a lapse costs the most.
Insurance CRM vs. a Spreadsheet and Sticky Notes
| Task | Spreadsheet / Manual Tracking | Viking's Insurance CRM |
|---|---|---|
| Renewals due this month | Manual filter, easy to miss | Surfaced automatically |
| Renewal reminder sent on time | Depends on someone remembering | Sent automatically, on your schedule |
| Multiple policies per client | Separate rows or tabs | One client record, each policy dated |
| Cross-sell notes | Often lost in email | Attached to the client record |
| Conversation history | Scattered across inboxes and phones | Every text, chat and email on one record |
| Cost | Free, but you pay for it in lapsed renewals | From $297/month, flat |
Losing a renewal through silence is an attention problem, not a pricing one. The CRM's job is to make sure no renewal lapses just because nobody checked.
Viking vs. Other Insurance CRMs
Two insurance CRMs and two general CRMs that come up when agents search for one, compared on what each says about itself. If a column fits your agency better than ours, that's a fair result.
| Feature | Viking Marketing | AgencyBloc | Agent CRM | HubSpot Sales Hub | Less Annoying CRM |
|---|---|---|---|---|---|
| Built for | Independent agencies writing auto, home, life and commercial | Health, group benefits, senior and life agencies | Insurance agents and teams across P&C, life, health, Medicare and more | Sales teams in general, not insurance-specific | Small businesses in general, not insurance-specific |
| Pricing | From $297/month flat, no per-seat fees | Custom quote, not listed | $97/month after a 14-day free trial | Free for up to 2 users; paid seats from $20/month each on monthly billing | $15 per user per month, 30-day free trial |
| Texting | Built in, with a shared team inbox | Text messaging and text reminders in AMS+ | Built-in texting and power dialer | Not listed on its Sales Hub pricing page | Not listed |
| AI follow-up | AI replies to new quote requests 24/7 (Growth plan) | Not described on its pricing page | AgentAI qualifies leads and follows up | AI agents, paid for with HubSpot Credits | Not listed |
| Renewal reminders | Automatic, on a window you set | Not described on its pricing page | Built-in cross-sell and renewal reminders | No insurance-specific features listed | Not listed |
| Setup | Done for you, live in about 48 hours | Not described on its pricing page | Self-serve, plus an onboarding call | Self-serve; Professional requires a $1,500 onboarding fee | Self-serve |
Competitor details come from each company's own website (agencybloc.com/pricing, agent-crm.com, hubspot.com/pricing/sales, lessannoyingcrm.com/pricing), checked October 28, 2026. Plans and features change, so confirm with the vendor before you buy. AgencyBloc goes deeper on commissions and benefits quoting than Viking does. If that's your core business, look at it closely.
What an Insurance CRM Costs
How this category is priced
Per-user pricing
General CRMs such as Less Annoying CRM ($15 per user per month) and HubSpot Sales Hub (from $20 per seat per month) are cheap to start. The bill grows with every producer and CSR you add, and neither lists texting or renewal tracking.
Custom-quoted platforms
Agency management platforms such as AgencyBloc price by package and volume, and you need a sales call to get a number.
Viking flat monthly plan
One price for the whole team, with texting, the shared inbox and review requests included.
Break-even is simple: divide $297 by the commission you earn in a year on one retained policy. That's how many renewals a month the CRM has to save to pay for itself. The CRM starts on the Starter plan at $297/month. The AI that answers new quote requests, database reactivation campaigns and advanced pipeline tracking are on the Growth plan at $497/month. On the demo we'll tell you which plan your agency actually needs.
Viking flat monthly plan, from
$297/mo
No setup fee, no per-seat fees, no long-term contract
Everything included
- CRM and lead tracking for your whole team
- Missed call text back and AI web chat
- Unified inbox for texts and email
- Automated review requests
- Setup and contact import handled by our Chandler-based team
Is Texting Policyholders TCPA Compliant?
Renewal reminders go to your own clients, people who already gave your agency their number. Viking's texting runs on A2P 10DLC registered numbers, the carrier registration US business texting requires, and opt-outs are honored automatically, so anyone who replies STOP isn't texted again.
A renewal reminder and a promotional text aren't treated the same under the TCPA. Marketing messages, including many cross-sell texts, generally need the client's prior express written consent. Viking does not send to purchased or cold lists.
Rules vary by state and by line of business, so have your compliance lead review your setup before launch. This is general information, not legal advice.
More Than a Contact List
Many "insurance CRMs" are a searchable contact list. They don't flag renewals, they don't remind anyone, and they don't answer a new quote request at 9 PM.
Viking's CRM runs on the same platform as the rest of your front office. The system that tracks your renewals also:
- ✓Texts back the moment a call goes unanswered, so a busy desk doesn't lose a quote request
- ✓Answers new quote requests by text, chat and social, and books the call with a licensed agent (Growth plan)
- ✓Follows up with stalled quotes and lapsed policyholders already in your database
- ✓Sends a review request once a policy is bound
- ✓Lets your whole team see and join any client conversation from one shared inbox
You're not adding another disconnected tool. One platform tracks the client from the first quote request through every renewal after it.
What Real Businesses Say About Viking
We had a great experience working with Viking Marketing. They helped us set up an automated text messaging system and improve lead funnel. They're really knowledge and just really great to work with.
Charlie went above and beyond for my business. There are a lot of marketing companies out there, but very few operate like Viking Marketing. Charlie and his team delivered exactly what I wanted, within the timeline they promised, handled every change I requested without issue, and made the entire process smooth. 10/10 experience. Highly recommend.
Charlie helped me build a conversational chatbot for one of my clients. Super easy to work with and delivered exactly what we needed. Highly recommend!
This company is the best! Their custom support is so quick and knowledgeable. I’ve never had an issue and not had it addressed and also been taught how to fix it in the future myself at the same time.Charles and his team are the best at what they do. Look not further for help from this company is you’re a small business!
Charlie is super knowledgeable about AI bots and makes amazing booking bots. I don’t know what my business would do without him.
Charlie is hands down the most knowledgeable person when it comes to AI Assistants. He’s ability to breakdown such complex systems and prompts makes it easy to understand and absorb!
These guys are INCREDIBLE! Super responsive; their customer support is OFF THE CHARTS! We were able to scale to 20+ Inbound booked apts PER DAY in just a few weeks.No more dialing leads - just inbound apts- its a beautiful thing
Charles has helped grow my company exponentially. He is a marketing genius. I’m extremely blessed to have crossed paths with him and very grateful for everything he has done for me and my company. Best customer service I could ever ask for. I highly recommend Charles if you are trying to grow your business.
Charles and his team has helped us grow our business in various ways. With his CRM and automation setup it provides an opportunity so we can focus more on our sales and let the automation help us. Charles is very supportive whenever we need any help with the systems he manages for us.
the Viking Marketing is awesome! Charlie and his team are help me alot. they always respond super fast. They're super friendly and helpful too. They're great at advertising and all what you need for your business ! Definitely recommend them!
Charlie and crew are the best marketing group out there. Highly recommend.
Launched an AI bot and Charlie has been super helpful launching and updating the bot. It was an instant win for us and has booked hundreds of appointments for us and removed the need to have full time engagement specialist replying.If you’re in the fence about AI campaigns … don’t be… this does an amazing job.Charlie is the man for this!
Working with Charlie @ Viking Marketing has been thoroughly delightful and I can give him the strongest of endorsements. He helped us stand up our High Level instance, complete with automations and integrations, in less than two weeks. Once we signed on I felt like Charlie was very dedicated to getting us stood up. I regard him as being a subject matter expert, valuable resource, and advocate for the success of our business. Go Viking Marketing!
Charlie and the team at Viking Marketing are great and easy to work with! Very helpful to my business.
Viking Marketing has been amazing to work with. They have a platform that has blown me away and I would highly recommend them. Excellent communication and customer support.
Top-notch service! Charles and his team quickly and efficiently set me up with a solution that will no doubt catapult my business forward. Always goes above and beyond to deliver an exceptional product, give these guys a shot you will not be disappointed!
I am a momprenuer and I own two companies, a solar company and a holiday lighting installation company. I found myself beneath an overwhelming amount of admin work and I turned to Viking Marketing tor help! They helped me to move all my current customers & custom designed automation that (in the middle of my busiest time). On top of that they helped me to connect all my socials, my website, my business google, and my multiple phone numbers to one centralized location. This company CARES! They spent countless hours making sure I am set up perfectly! All my systems are working! Invoicing is automatic now! Scheduling is automatic! Just that alone saves me hours of time DAILY! Allowing me more time to grow my business and focus on the things! SEO is integrated too! I am excited for the future of my business! Thank you Viking Marketing! You are an answer to my prayers!
A pleasure to work with is an understatement. Responsive and willing to do whatever it takes to get the job done and have their customers satisfied is certainly my experience. I will gladly refer Charles and his team at Viking Marketing to anyone. 5 out of 5 stars for service and overall customer experience.
Charles was great to work with. Always answers thr phone when you need him and works diligently to complete the task.
Charlie just helped me out big time with setting up a ChatAI Bot.I was really struggling to get it up & running & Charlie was kind enough to jump on a quick Zoom to help me get this fixedHe knows his stuff 💪
WOW! Viking Marketing have transformed my solar installation business with their new and cutting edge AI automation solution.Because of their innovation I no longer have to pay out commissions and now have a 24/7 sales team without the cost, this has solved all my speed to lead and out of hours problem.Highly recommend contacting them, Charles will over deliver with unreasonable hospitality.You have nothing to lose and will likely regret not doing so in the next year, this AI tech is mind blowing. You don't want to get left behind.Thank you!
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Questions Agencies Ask Before Choosing an Insurance CRM
It depends on what your agency writes. Health, benefits and senior-market agencies that live on commissions and group quoting often need a specialist such as AgencyBloc. General CRMs such as HubSpot are flexible, but you build the insurance workflow yourself. Independent agencies writing auto, home, life and commercial usually need renewal tracking, automatic reminders and fast replies to new leads more. That's the gap Viking is built for. Compare the tools above on renewals, texting and total cost for your team size.
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