UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)
October 27, 2004

                               Quotesmith.com, Inc
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             (Exact name of registrant as specified in its charter)

         Delaware                   0-26781                    36-3299423
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(State or other jurisdiction      (Commission               (I.R.S. Employer
     of incorporation)            File Number)             Identification No.)

    8205 South Cass Ave., Darien, IL                                60561
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(Address of principal executive offices)                          (Zip Code)

Registrant's telephone number, including area code 630-515-0170

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         (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

|_|   Written communications pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

|_|   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

|_|   Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

|_|   Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13a-4(c))



Item 2.02 and 7.01 Results of Operation and Financial Condition and Regulation
FD Disclosure

      On October 27, 2004, Quotesmith.com, Inc. announced its earnings for the
quarter and nine months ended September 30, 2004. The press release making that
announcement is attached hereto as Exhibit 99.1 and is incorporated herein by
reference. This information is being furnished under both Item 2.02 (Results of
Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure) of
Form 8-K.

Section 9.01 Financial Exhibits and Exhibits

Item 9.01(c) Exhibits

Exhibit
Number     Description
------     -----------

99.1       Press Release dated October 27, 2004, announcing the earnings of
           Quotesmith.com, Inc. for the quarter and nine months ended 
           September 30, 2004.



                                    Signature

      Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Date: October 27, 2004                           By: /s/ PHILLIP A. PERILLO
                                                     ---------------------------
                                                 Phillip A. Perillo
                                                 Senior Vice President and Chief
                                                 Financial Officer