auto insurance rate watcher
An auto insurance renewal watchdog that decodes policies, normalizes quotes, and scripts retention calls to save money.
Free
Works with the AI tools you already use
Claude Code
Cursor
Codex CLI
Muse
Dots+22 moreClaude CodeCursorCodex CLIMuseDots
OpenClaw
Manus
Grok
Grok Bot+18 agentsauto insurance rate watcher
Example session with this skill installed
My car insurance renewal just came in and it went up $40 a month. I have my dec page here. How do I know if I'm being ripped off and what should I do next?
- Read your context and instructions
- Compiled the auto insurance rate
- Generated the document
I will analyze your renewal notice and prepare a strategy to eliminate the loyalty tax. Based on your input, a $480 annual increase is a significant trigger for a re-shop.
Insurance Audit & Action Plan
| Category | Current Policy Details | Notes / Opportunities |
|---|---|---|
| Carrier & Premium | State Farm - $1,140 / 6 months | $190/mo. Up 26% from last term. |
| Liability Limits | 50/100/50 | Lower than recommended 100/300/100 for your assets. |
| Deductibles | $500 Comp / $500 Coll | Standard. Raising to $1,000 could save ~15%. |
| Annual Mileage | 12,000 (Estimated) | If you now work remote, we can drop this to 6,000. |
| Discounts | Multi-car, Paperless | Missing: Telematics, Defensive Driving, Paid-in-Full. |
The "Shopping Kit" (Use these exact specs for quotes)
To get a valid comparison, enter these exact values into 3 competitor sites (e.g., Progressive, Geico, or an independent agent):
- Bodily Injury: $100,000/$300,000
- Property Damage: $100,000
- Uninsured Motorist: $100,000/$300,000
- Deductibles: $1,000 (To test savings)
Retention Script
Before you switch, call your current agent with this:
"My renewal increased to $1,140, but I have a comparable quote for $890. I've been with you for 4 years and want to stay. Can you perform a tenure review and mileage audit to match this price, or should I proceed with the switch?"
Next steps
- Confirm if your annual mileage has decreased (e.g., remote work) so we can update the quote kit.
- Run the specs above through two direct insurers to find the market floor.
- Post the new quotes here; I will normalize them to see if the savings are real or just reduced coverage.
auto-insurance-rate-watcher.pdf
PDF · document
Example file from a real run - the skill writes it into your workspace.
Connects securely to your tools. The creator never sees your data.
About this skill
The problem
Auto insurers rely on renewal inertia. Rates drift upward every term while loyal customers pay a "loyalty tax" for not shopping around, often overpaying by hundreds of dollars annually.
What it does
- Extracts premium, liability limits, and deductibles from your current declarations page.
- Runs a life-change scan to identify new discounts for mileage drops, moves, or improved credit.
- Generates a normalized "quote kit" to ensure all competing quotes are strictly apples-to-apples.
- Provides a specific retention script for calling your current insurer to negotiate a rate match.
- Coordinates the switch to a new provider with zero coverage gaps or license issues.
Why this beats prompting it yourself
General LLMs often fail to normalize insurance math, leading to false savings by comparing high-coverage policies against state-minimum quotes. This skill enforces strict data capture and uses a structured decision table to expose hidden fees and coverage traps.
Use cases
- Shopping your policy 30 days before renewal to beat a rate increase.
- Decoding complex liability limits (e.g., 100/300/100) into plain English risk assessments.
- Auditing a household after life events like marriage, retirement, or a child moving to college.
- Comparing independent quotes against a captive agent's renewal offer.
Known limitations
Does not handle commercial, rideshare, or fleet policies. Cannot file insurance claims or provide legal advice on state-mandated minimums.
How to install
Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.
- 1
Download the ZIP
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- 2
Unzip into your skills folder
Every agent reads skills from one folder on your machine. Drop the unzipped folder in there.
- 3
Ask your agent to use it
Restart the agent if it was already running. It picks the skill up automatically - no config needed.
Skills folder by agent
Click the path to copy it. Create the folder if it does not exist yet.
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