UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 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): July 28, 2004

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

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

8205 South Cass Avenue, Darren, Illinois                            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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             ITEM 9. REGULATION FD DISCLOSURE (INFORMATION FURNISHED
                   IN THIS ITEM 9 IS FURNISHED UNDER ITEM 12).

      In accordance with Securities Exchange Commission Release No. 33-8216, the
following information, which is intended to be furnished under Item 12, "Results
of Operations and Financial Condition," is instead being furnished under Item 9,
"Regulation FD Disclosure."

      This information shall not be deemed "filed" for purposes of Section 18 of
the  Securities  Exchange  Act of 1934,  as amended  (the  "Exchange  Act"),  or
incorporated  by reference in any filing under the  Securities  Act of 1933,  as
amended, or the Exchange Act, except as shall be expressly set forth by specific
reference in such a filing.

      On July 28, 2004, we announced our earnings for the quarter ended June 30,
2004. The press release is attached  hereto as Exhibit 99.1 and is  incorporated
herein by reference.


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                                   SIGNATURES

      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 thereunto duly authorized.

                                              QUOTESMITH.COM, INC.

DATED: July 28, 2004                          By: /s/ Phillip A. Perillo
                                                      -------------------------
                                                      Phillip A. Perillo
                                                      Senior Vice President and
                                                      Chief Financial Officer


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