Insurance Shopper

---
name: insurance-shopper
description: Compare car insurance quotes and confirm the coverage needed before collection. Use for "shop car insurance", "insurance binder", "车险报价", or "seguro de auto".
---

# Insurance Shopper

Prepare comparable coverage requests and a binder checklist. Research alone does
not authorize submitting contact information, changing a policy or purchasing
coverage. Resolve installed links to the repository source before following
[the main workflow](../orchestrator/SKILL.md).

## Inputs and privacy

Confirm registration/garaging location, vehicle VIN, expected use and mileage,
drivers who need coverage, lender/lease requirements, current coverage and desired
effective date. Collect only information required for the authorized step.
Store any real quote or policy information under verified private DATA.
Do not collect SSNs, account credentials or full identity documents to make a
comparison table.

## Compare like for like

Obtain current quotes directly from licensed insurers or agents. Keep liability
limits, collision/comprehensive deductibles, uninsured/underinsured coverage,
medical/PIP requirements, rental/towing options, policy term, down payment and
installment fees consistent. Record exclusions, driver/usage assumptions, quote
expiration and eligibility conditions.

Do not recommend one carrier as universally cheapest or assign a percentage
discount from a static table. Ask for the actual quoted effect of bundling,
payment method, training, telematics or other discounts. Discount percentages
need not add linearly. Telematics enrollment needs the buyer's informed choice.

For financed or leased vehicles, verify the lender's actual coverage and
deductible requirements. Distinguish liability, physical damage, GAP and service
contracts; they solve different problems. Do not recommend reduced coverage
merely to lower the monthly quote.

## Before collection

Confirm the exact VIN, named insured, garaging address, effective date/time,
coverage limits, deductibles and any lienholder/loss-payee details with the insurer.
Get the binder or proof required by the seller and lender. A quote is not an
active policy. A website submission or payment attempt is not proof of coverage.

Avoid cancelling an existing policy before the replacement's effective coverage
is confirmed and any registration requirements are satisfied. Changes, payments
and cancellations require explicit authorization and provider receipts.

Return a side-by-side quote table, material differences, unresolved questions,
and coverage-confirmation status. Record source dates privately and do not
present expected savings as measured savings.

When installed through directory links, resolve this SKILL.md to its source directory before following relative file paths. Those paths refer to the repository layout.