AI prompt to handle 'I can get it cheaper online'
Many sales are won or lost in the follow-up and in how clearly the agent explains the options. AI drafts follow-ups, objection responses, proposal summaries and call scripts in seconds, so agents stay consistent without sounding scripted.
Below is a ready-to-copy prompt to handle 'I can get it cheaper online', 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
Write 4 respectful responses to 'I can get it cheaper online' that explain the value of local advice and coverage comparison without criticizing any company. Use placeholders; no client personal info; no guarantees, no misleading claims.
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: Write 4 respectful responses to 'I can get it cheaper online' that explain the value of local advice and coverage comparison without criticizing any company. Use placeholders; no client personal info; no guarantees, no misleading claims.
What a good result looks like
Good responses agree that price matters, explain what a local agent adds (comparing options, explaining coverage, help at claim time) and invite a side-by-side look at the online quote so the prospect can compare coverage, not just price.
Common mistakes and watch-outs
Don't criticize online companies or suggest their coverage is bad; that can be misleading and unfair. Be ready to say the online option may be a good fit. Make sure any comparison uses matching limits and deductibles.
How to adapt the prompt
Tell the AI the line of business and whether the prospect already has a quote in hand. Ask for a short email offering a free side-by-side comparison.
Response 1: "That's fair, price matters. Would you like me to compare it side by side, with the same limits and deductibles, so you can see the full picture?" Response 2: "Online can be a good option. What I add is helping you choose the coverage and being here when you have a claim." Response 3: "If you send me the quote's coverage page, I'll point out any differences. No obligation either way."
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.
- Add your details. Add the details for your situation (line of business, audience, tone). Keep it de-identified; 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: Compare quotes across carriers.
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.
Suggested from the related task Compare quotes across carriers.
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.
Suggested from the related task Compare quotes across carriers.
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.
Suggested from the related task Compare quotes across carriers.
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.
- Don't promise savings or specific rates.
- 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