# The Zebra

> Compare car insurance quotes from top carriers and buy online with The Zebra, the comparison site.

- name: com.thezebra/insurance
- version: 0.2.1
- connection class: R0 (autonomous)
- trust: 83/100 flags: no-repository
- quality: 87/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.thezebra%2Finsurance
- tools: https://api.protogrid.dev/v1/servers/com.thezebra%2Finsurance/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "insurance": {
      "type": "http",
      "url": "https://api.thezebra.com/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 100
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-100% +updated-4d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 87/100 (new)

### protocol: 88 (weight 25)

- pass `protocol.modern`: supports 2026-07-28 (server/discover)
- pass `protocol.stateless`: answers without a session
- pass `protocol.transport`: streamable HTTP
- warn `protocol.list_ttl`: tools/list declares ttlMs 0, so clients re-fetch it on every use

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 86 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 3 of 3 tools declare readOnlyHint or destructiveHint
- warn `tools.directory_hints`: 2 of 3 tools declare all four hints; missing: zebra_get_rate_action (destructiveHint, idempotentHint)
- warn `tools.token_cost`: about 13,753 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: n/a (weight 15)

- n/a `stability.changes`, `stability.rug_pull`: tool history recorded for 3 of the 7 days needed

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 3, about 13,753 tokens to load them all
- tool set hash: a53761d030e447c135d69dba5adebbf4
- tools last changed: 2026-11-05T20:29:07.326Z
- badge: [![protogrid quality](https://protogrid.dev/badge/com.thezebra/insurance.svg)](https://protogrid.dev/servers/com.thezebra/insurance)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-11-05 `zebra_get_rc1_rates` changed (description)
  - before: Get estimated auto insurance rates (RC1 quotes) for the user, from the carriers they can buy from online on The Zebra. Call zebra_start_session first and pass its quote_handle. Usually takes about 30 seconds: wait for the result rather than calling again or starting a new session. On UPSTREAM_UNAVAILABLE, retry once with the same quote_handle. Pass the quote_id of the quote the user picks to zebra_get_rate_action to learn how to continue. Calling this again for the same session replaces the earlier quotes, so their quote_ids stop working. Failures return a JSON error with a code, whether retrying may help, and any problems with specific user_responses fields.
  - after: Get estimated auto insurance rates (RC1 quotes) for the user, from the carriers they can buy from online on The Zebra. Call zebra_start_session first and pass its quote_handle. Usually takes about 30 seconds: wait for the result rather than calling again or starting a new session. On UPSTREAM_UNAVAILABLE, retry once with the same quote_handle. Pass the quote_id of the quote the user picks to zebra_get_rate_action to learn how to continue. Calling this again for the same session re-rates the quote with the new details and replaces the earlier quotes, so their quote_ids stop working. Nothing is bought and no policy changes: to compare against the earlier details, call again with them. Quotes are live, so prices may differ from before; don't tell the user the earlier prices still hold. Failures return a JSON error with a code, whether retrying may help, and any problems with specific user_responses fields.
- 2026-11-04 `zebra_get_rc1_rates` changed (inputSchema)

Full history: https://api.protogrid.dev/v1/servers/com.thezebra%2Finsurance/changes

## Remotes

- https://api.thezebra.com/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (3)

- `zebra_get_rate_action`: Get the next step for the quote the user chose. Pass the quote_handle from zebra_start_session and the chosen
quote's quote_id from zebra_get_rc1_rates.

Give the user the returned url to continue buying the policy on The Zebra.
- `zebra_get_rc1_rates`: Get estimated auto insurance rates (RC1 quotes) for the user, from the carriers they can buy from online on
The Zebra.

Call zebra_start_session first and pass its quote_handle. Usually takes about 30 seconds: wait for the result
rather than calling again or starting a new session. On UPSTREAM_UNAVAILABLE, retry once with the same quote_handle.

Pass the quote_id of the quote the user picks to zebra_get_rate_action to learn how to continue. Calling this again
for the same session re-rates the quote with the new details and replaces the earlier quotes, so their quote_ids
stop working. Nothing is bought and no policy changes: to compare against the earlier details, call again with
them. Quotes are live, so prices may differ from before; don't tell the user the earlier prices still hold.
Failures return a JSON error with a code, whether retrying may help, and any problems with specific user_responses
fields.
- `zebra_start_session`: Start a new car insurance quote. Call this once, before any other quote tool, and pass the returned
quote_handle to every later tool call for this quote.