AI tools and a prompt to compare quotes across carriers
Clients compare price first; agents need to show what the coverage differences are. This prompt turns de-identified quotes into a side-by-side table without recommending a carrier, and the raters below quote multiple carriers in one place.
Below is a ready-to-copy prompt to compare quotes across carriers, a detailed version that asks you clarifying questions first, and 3 specialized AI tools (EZLynx, Semsee and Bold Penguin) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.
The prompt
I have 3 de-identified homeowners quotes (pasted below). Build a side-by-side table of coverages, limits, deductibles, and premium, and list the differences a client should ask about. Do not recommend a carrier. Quotes: [paste]
Detailed version (asks clarifying questions first)
Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the line of business, where the prospect is in the sales process, and tone). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team. Task: I have 3 de-identified homeowners quotes (pasted below). Build a side-by-side table of coverages, limits, deductibles, and premium, and list the differences a client should ask about. Do not recommend a carrier. Quotes: [paste]
What a good result looks like
A good comparison table lines up the same items for every quote (coverages, limits, deductibles, notable endorsements and premium) and highlights the differences a client should ask about. It explains differences neutrally and doesn't recommend a carrier, leaving the advice to you.
Common mistakes and watch-outs
Make sure the quotes are truly comparable (same effective date, drivers, property details) before comparing price. AI can misread limits or skip an exclusion, so check each row against the quote documents. Remove names, addresses and policy numbers before pasting quote text into a general AI tool.
How to adapt the prompt
Change 'homeowners' to auto, renters or a small commercial policy and list the fields that matter for that line. Ask for a short client-friendly summary under the table, or a version you can paste into a proposal. Comparative raters such as EZLynx or Semsee produce the quotes; the prompt helps you explain them.
Quote comparison (de-identified) | Item | Quote A | Quote B | Quote C | | Dwelling limit | [Amount] | [Amount] | [Amount] | | Deductible | [Amount] | [Amount] | [Amount] | | Personal liability | [Amount] | [Amount] | [Amount] | | Water backup | Included | Not included | Optional | | Annual premium | [Amount] | [Amount] | [Amount] | Questions for the client: - Do you want water backup coverage? Quote B doesn't include it. - Are you comfortable with a higher deductible to lower the premium?
How to use it
- Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
- Fill in the placeholders. Replace [paste] with your own details. Use placeholders or de-identified details; never paste client personal information.
- Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use EZLynx, Semsee and Bold Penguin as described below.
- Review before you use it. No guarantees, misleading comparisons or disparaging other companies or agents. Check every fact, name and number yourself.
- Take the next step. Next, see: Handle 'I can get it cheaper online'.
Best AI tools for this task
Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.
EZLynx site ↗
Comparative rating and agency management platform for independent agencies.
Enter the personal lines risk once in EZLynx's comparative rater and compare the returned carrier quotes side by side; EVA, EZLynx's embedded AI, cuts down the manual data entry.
Semsee site ↗
Digital distribution platform connecting agents, partners, carriers and MGAs for commercial quoting.
Quote a small commercial risk across connected carriers/MGAs in Semsee.
Bold Penguin site ↗
Commercial submission platform; states its DeX AI reads, prices and routes submissions to markets.
Submit the commercial risk and review the market matches returned.
Any AI assistant
ChatGPT Claude Google Gemini Microsoft Copilot
Paste the prompt above (short or detailed) into any of these.
Before you use it
- No guarantees, misleading comparisons or disparaging other companies or agents.
- Never paste client personal information (names, policy numbers, health or financial details) into AI tools your agency hasn't approved.
- Review every AI output for accuracy and compliance before you use it.
Related tasks
More: All sales and quoting prompts · All AI prompts · Quoting & Comparative Rating tools