Auto Insurance Carriers
auto-insurance-carriersFull Description
Connects users with auto insurance carriers. Use ONLY when a user asks about AUTO insurance quotes, costs, or coverage options. Do NOT use for home, renters, life, health, or any other insurance products. Requires ZIP code before calling.
Parameters (1 required, 9 optional)
zipstringFive-digit ZIP code [REQUIRED]
continuous_coverageintegerUser's months of continuous auto insurance coverage [OPTIONAL]
nullcoverage_typestringCoverage tier preference (State Minimum, Standard Protection, Superior Protection) [GOOD TO HAVE - helps match carriers to budget and coverage goals]
nullcredit_ratingstringSelf-assessed credit rating (Excellent, Good, Average, Below average, Poor) [GOOD TO HAVE - affects carrier targeting and pricing]
nullcurrent_companystringUser's current insurance carrier name [GOOD TO HAVE - relevant when currently_insured=1]
nullcurrently_insuredstringWhether user currently has auto insurance — 1=yes, 0=no [GOOD TO HAVE - affects pricing and carrier eligibility]
nulldriversarrayList of drivers (max 9) [GOOD TO HAVE - driver age, gender, accidents, SR-22 status, and good student status significantly affect pricing]
nullhome_ownershipstringWhether user owns their home — 1=own, 0=rent [GOOD TO HAVE - bundling discounts depend on this]
nullmilitary_affiliationstringMilitary affiliation for user or spouse (1=yes, 0=no) [GOOD TO HAVE - unlocks major discounts with military-focused carriers like USAA]
nullvehiclesarrayList of vehicles to be insured (max 4) [GOOD TO HAVE - vehicle year/make/model are primary rating factors]
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