AI Voice Agents for Insurance Quotes

New customer wants a car insurance quote for their vehicle.

"AI provides instant quote: "I'd be happy to get you an auto insurance quote! I just need a few quick details. What's the year, make, and model of your vehicle? 2022 Honda Accord - great choice, very safe vehicle! And what's your ZIP code? 90210 - got it. A few more questions: Do you own or lease? Own. How many miles do you drive annually? About 12,000. Great, based on this information, here's your instant quote: Liability only: $78/month - covers damage you cause to others. Standard coverage: $125/month - adds collision and comprehensive. Premium coverage: $156/month - adds rental car, roadside, and lower deductibles. I recommend the Standard coverage for your situation - the 2022 Accord has good value worth protecting. You could save an additional 15% by bundling with home insurance, and 10% with our safe driver program. Would you like me to explain the coverage differences, or are you ready to proceed with one of these options?""

Customer wants to understand the difference between coverage levels.

"AI explains clearly: "Great question - let me break down the three coverage levels for you. Liability Only ($78/mo): Covers damage/injuries you cause to others. Required by law in California. Does NOT cover your own car damage. Best for older vehicles worth under $5,000. Standard Coverage ($125/mo): Everything in Liability, plus: Collision - covers your car in accidents (you're at fault or not), Comprehensive - covers theft, vandalism, weather damage, and $500 deductibles for both. Best for: Vehicles you want to protect, most common choice. Premium Coverage ($156/mo): Everything in Standard, plus: Lower $250 deductibles, rental car coverage ($40/day while yours is repaired), roadside assistance (towing, jump start, lockout), and new car replacement if totaled in first 2 years. Best for: New vehicles, those who want peace of mind. For your 2022 Accord worth approximately $28,000, I'd recommend Standard or Premium. The collision/comprehensive coverage costs $47/month more than liability, but protects a $28K asset. The math makes sense. Which would you like to explore further?""

Customer interested in bundling home and auto insurance.

"AI calculates bundle savings: "Bundling is a great way to save! Let me show you your combined quote. Your current quotes as standalone: Auto insurance (2022 Accord): $125/month, Home insurance (based on your address): $145/month. Total standalone: $270/month. Your bundle discount: When you combine both policies, you get 15% off each. Auto with bundle: $106/month (save $19), Home with bundle: $123/month (save $22). Bundle total: $229/month. Annual savings: $492! Additional bundle benefits: Single deductible if you have a covered loss affecting both (like a tree falling on your car in your driveway), one renewal date to remember, single payment option, and priority claims handling. I can also add an umbrella policy for $25/month which gives you $1 million in additional liability protection across both policies - many bundle customers choose this. Would you like me to prepare the bundle package for your review, or do you have questions about any of the coverages?""