Website Quoting Widgets and Services

It seems pretty easy to get a life/health visitor-facing quoting widget on your website these days, but what about better personal and commercial automatic quoting systems?

I understand it gets more complicated with commercial to offer online quotes (which are non-bindable), but is there anything out there? Almost 99% of the independent agency websites I see are just forms for visitors to fill out, and the agent will get back with them after running their info on their end.

Any thoughts on services that offer better automatic quoting widgets for personal and commercial?
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