insurance-shopperlisted

# Insurance Shopper Prepare comparable coverage requests and a binder checklist. Research alone does not authorize submitting contact information, changing a policy or purchasing coverage. Resolve installed links to the repository source before following [the main workflow](../orchestrator/SKILL.md). ## Inputs and privacy Confirm registration/garaging location, vehicle VIN, expected use and mileage, drivers who need coverage, lender/lease requirements, current coverage and desired effective date. Collect only information required for the authorized step. Store any real quote or policy information under verified private DATA. Do not collect SSNs, account credentials or full identity documents to make a comparison table. ## Compare like for like Obtain current quotes directly from licensed insurers or agents. Keep liability limits, collision/comprehensive deductibles, uninsured/underinsured coverage, medical/PIP requirements, rental/towing options, policy term, down payment and installment fees consistent. Record exclusions, driver/usage assumptions, quote expiration and eligibility conditions. Do not recommend one carrier as universally cheapest or assign a percentage discount from a static table. Ask for the actual quoted effect of bundling, payment method, training, telematics or other discounts. Discount percentages need not add linearly. Telematics enrollment needs the buyer's informed choice. For financed or leased vehicles, verify the lender's actual coverage and