Quotor — Home & Auto Insurance Quotes

Quality 72 / 100needs work

12 tools, about 4,929 tokens to load them all · tool set b084bb35b298 · tools last changed 2026-10-04 · checked 2026-10-20 22:23 UTC

Tool changes

• 2026-10-04check_quote_statuschangedoutput schema
• 2026-10-04update_quotechangedinput schema, output schema
• 2026-10-03request_bind_inlinechangeddescription
  before

  Sends the customer's chosen option(s) to Libertas's licensed team as a bind request and returns a secure checkout link on Libertas's site. This is a request, not a purchase: no payment is taken and no coverage starts from this call. A licensed agent verifies underwriting, collects payment on the secure page, and confirms coverage with the carrier, and the customer can change or cancel before then. Appropriate once the customer clearly picks an option (for example "I'll take Home Carrier A"); pay_plan is required when an auto option is included.

  after · 100% of words in common

  Sends the customer's chosen option(s) to Libertas's licensed team as a bind request and returns a secure checkout link on Libertas's site. This is a request, not a purchase: no payment is taken and no coverage starts from this call. A licensed agent verifies underwriting, collects payment on the secure page, and confirms coverage with the carrier, and the customer can change or cancel before then. Appropriate once the customer clearly picks an option (for example "I'll take Carrier A-Home"); pay_plan is required when an auto option is included.

• 2026-10-03get_option_detailschangeddescription
  before

  Returns the coverage breakdown, deductibles, discounts applied, and payment plans for one option (for example opt_home_a), so the customer can compare before choosing. The carrier stays masked as 'Home Carrier A' and so on.

  after · 100% of words in common

  Returns the coverage breakdown, deductibles, discounts applied, and payment plans for one option (for example opt_home_a), so the customer can compare before choosing. The carrier stays masked as 'Carrier A-Home' and so on.

• 2026-10-03check_quote_statuschangeddescription
  before

  Reports rating progress and, once available, the quote options. status is one of: - running: prices are still arriving; check again in a turn or two. - quoted: options are ready. While finishing.active is true, Libertas is still capturing exact rates, so ranges are estimates (the final number may land within or below the range, but that isn't guaranteed); check back later. Options marked 'verified' are exact, bindable numbers. - needs_data: carriers need more information first. needs.prompts lists each item, who it's for, and the update_quote field to set; apply the customer's answers, then call get_quote_options again. When needs.secure_link is present, that item (a driver's license number) is entered on Libertas's secure page instead of in chat: share the link with the customer, and rates re-run automatically once they submit it. - timeout or error: offer to try again with get_quote_options. Carriers appear as 'Home Carrier A', 'Auto Carrier B', and so on; the real carrier name is shown on Libertas's secure bind page.

  after · 100% of words in common

  Reports rating progress and, once available, the quote options. status is one of: - running: prices are still arriving; check again in a turn or two. - quoted: options are ready. While finishing.active is true, Libertas is still capturing exact rates, so ranges are estimates (the final number may land within or below the range, but that isn't guaranteed); check back later. Options marked 'verified' are exact, bindable numbers. - needs_data: carriers need more information first. needs.prompts lists each item, who it's for, and the update_quote field to set; apply the customer's answers, then call get_quote_options again. When needs.secure_link is present, that item (a driver's license number) is entered on Libertas's secure page instead of in chat: share the link with the customer, and rates re-run automatically once they submit it. - timeout or error: offer to try again with get_quote_options. Carriers appear as 'Carrier A-Home', 'Carrier B-Auto', and so on; the real carrier name is shown on Libertas's secure bind page.

• 2026-10-01stop_contactadded

  Records that the customer doesn't want Libertas to contact them by phone call, text, email, or any of these. Appropriate whenever the customer asks, in any wording, to stop hearing from Libertas; Libertas honors it across its follow-up systems. Pass the quote_id when there is one, or the email and/or phone the customer wants removed.

• 2026-10-01resume_quotechangedtitle, description, annotationsmeaning changed
  before

  Pick up an existing quote that was started in a previous session or on a different platform. The customer supplies a quote ID. Verification: if the same authenticated user (OAuth user_id matches across sessions), no extra verification is needed; otherwise the customer needs to provide an email code that was sent at quote start. Returns the current status, a summary of what's collected so far, and whether rate options are already available to review.

  after · 26% of words in common

  Looks up a quote started earlier, by its quote_id. Returns the quote's status, whether options are ready, and what's still needed. Saved personal details are returned only to the same platform user who started the quote.

• 2026-10-01submit_leadchangedtitle, description, output schema, annotationsmeaning changed
  before

  Capture a lead for an insurance product Libertas doesn't quote inline (renters, life, commercial, motorcycle, boat, RV, umbrella, condo, landlord, etc.) — OR any home/auto customer who asks to be contacted later instead of finishing the quote in chat. Creates a row in the CRM Leads bucket so a licensed agent can follow up. CALL THIS WHEN: - The customer asks about an insurance type other than home/auto/bundle, AND has shared a name + email or phone. Confirm with the customer that you're going to have someone reach out, then call this tool. - The customer says "have someone call me later" or similar even on a home/auto inquiry. - The customer mentions an unusual circumstance and wants a human follow-up. DO NOT CALL WHEN: - The customer is still actively answering questions in the home/auto intake flow — keep going through the regular intake. - You don't have any contact info yet — ask for name + email/phone first. What it does: writes a Leads row tagged with the line of interest, contact info, preferred follow-up time, and any notes you supply. A licensed Libertas agent will reach out within one business day. Returns a confirmation message you can paraphrase to the customer ("you're on our list — someone from the team will reach out about [interest]").

  after · 32% of words in common

  Asks a licensed Libertas agent to follow up with the customer: for insurance Libertas doesn't quote in chat (renters, condo, landlord, umbrella, life, commercial, motorcycle, boat, RV, and more), or when a home/auto customer would rather talk to someone later. Needs what they're interested in plus an email or phone number. Creates a follow-up task; an agent typically reaches out within one business day by phone or email. Best to confirm with the customer before sending their contact details.

• 2026-10-01check_late_arrivalschangedtitle, description, output schema, annotationsmeaning changed
  before

  Save-the-sale tool — call when the customer signals dissatisfaction with the current options ("too expensive", "let me think", "what else do you have", "is this the best you can do", "I'll check elsewhere", "can you do better"). Some carriers (Foremost STAR, etc.) run slower than the initial set and may have come back with a better rate while the customer was deliberating. This tool: 1. Pulls a fresh read of all rated carriers. 2. Compares the current cheapest bundle/LOB price to the original first-quoted best. 3. Returns has_improvement=true ONLY if a late carrier beats the original by >= $100/yr OR >= 5% — a threshold meaningful enough to justify interrupting the customer. CALL THIS ONLY WHEN: - check_quote_status has returned 'quoted' at least once (there's a baseline to compare). - The customer just expressed price resistance or hesitation (not a closed positive). - You have NOT called check_late_arrivals in the last 2 turns (don't spam). DO NOT CALL WHEN: - The customer is actively committing ("yeah let's go with A") — that's a close moment, not a wavering moment. - The customer hasn't seen the initial options yet. WHAT TO DO WITH THE RESULT: - has_improvement=true → narrate the improvement naturally ("Quick update — one more carrier just came in $X/yr cheaper. Want me to refresh your options?") and the iframe auto-updates with the new state. - has_improvement=false → acknowledge the customer's concern, pivot to value positioning against the options on the table. Don't bluff a "better one is coming" if it isn't. Use the carriers_still_pending count if relevant ("a couple more carriers are still finalizing in the background — I'll flag if anything comes in lower").

  after · 18% of words in common

  Checks whether a slower carrier has come back with a better price since the options were first shown. has_improvement is true only when a new rate beats the earlier best by at least $100 a year or 5%. Useful when the customer hesitates over price after seeing options. If nothing improved, it's best to say so plainly rather than suggest a better price is coming.

• 2026-10-01request_bind_inlinechangedtitle, description, annotationsmeaning changed
  before

  Submit the customer's bind request from the chat. Triggers an internal task for our licensed team to follow up. THIS IS NOT INSTANT BIND — no payment is collected and no coverage starts from this call; a licensed agent completes underwriting verification, payment, and carrier confirmation afterward, and the customer can still change or cancel the request. Because this step is non-binding and reversible, the customer's own clear choice ("I'd like to go with Carrier A", "let's do A and A", "I'll take Carrier B") is sufficient confirmation to submit — an additional "are you sure?" prompt is not required, though you should always honor your own platform's confirmation practices. NEVER name a real carrier in chat output — stay in "Carrier A/B/C" labels.

  after · 29% of words in common

  Sends the customer's chosen option(s) to Libertas's licensed team as a bind request and returns a secure checkout link on Libertas's site. This is a request, not a purchase: no payment is taken and no coverage starts from this call. A licensed agent verifies underwriting, collects payment on the secure page, and confirms coverage with the carrier, and the customer can change or cancel before then. Appropriate once the customer clearly picks an option (for example "I'll take Home Carrier A"); pay_plan is required when an auto option is included.

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