Compare quotes on an apples-to-apples basis so the cheapest number isn't quietly the thinnest coverage.
Scanned 9/13/2026
Install to Claude Code
Skills Directorynpx -y skills add fru-dev3/fd-apps-prevail-cli --skill premium-comparison --agent claude-codeInstalls into .claude/skills of the current project.
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---
id: premium-comparison
runner: llm
trigger: on-demand
description: Compare quotes on an apples-to-apples basis so the cheapest number isn't quietly the thinnest coverage.
source: seed
---
# Premium comparison
Run when shopping a policy or weighing a renewal against outside quotes.
1. **Lock the baseline.** Pull the current policy from data/policies.csv: coverage limits, deductible, exclusions, and premium. Every quote gets measured against this exact spec.
2. **Normalize the quotes.** Restate each competing quote at the same limits and deductible. A lower premium at lower coverage isn't cheaper, it's less protection.
3. **Read the fine print.** Compare exclusions, sub-limits, and claim reputation, not just price. The cheapest carrier on a bad claim day is the most expensive choice.
4. **Price the switch.** Net the annual saving against any new-policy fees, bundling discounts lost, or coverage given up.
Output: a side-by-side table at matched coverage, with a clear stay / switch recommendation and the dollar delta.
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Ultra-compressed communication mode. Cuts token usage ~75% by speaking like caveman while keeping full technical accuracy. Supports intensity levels: lite, full (default), ultra, wenyan-lite, wenyan-full, wenyan-ultra. Use when user says "caveman mode", "talk like caveman", "use caveman", "less tokens", "be brief", or invokes /caveman. Also auto-triggers when token efficiency is requested.
