The car dealer isn't the one buying the insurance. The car dealer is acting as a lead generator in that capacity and you are paying for the lead. That is different from giving the person the car dealer sent you a gas card, which would be more analogous.
No its not. In this case, the agent isn't giving anything directly to the person that was referred by Netquote. The agent pays Netquote. Why would it be more analogous that I give the gas card directly to the client? Usually, they are used to put gas into the car the client buys, either directly by the car dealer, or the car dealer giving it to their customer. I don't care, it's not tied to a sale made by me.
Dan