Hello, and thanks for considering bringing me on board for this project.
First and foremost, I'd like for you to know that I am a Property and Casualty licensed insurer, and therefore very familiar with the quoting process.
Secondly, these other bidders mostly come from foreign countries, with little to no knowledge on how insurance in the U.S. actually works. Even though they may bid lower than me, you'd likely run into multiple project extensions and never see any actual results.
I have built complex web applications in the past, and I would work with you one on one to see to it that you are satisfied with the end result.
Thanks,
Greg