Car insurance comparison that checks the cover, not only the price
Your renewal letter went up again, and the cheapest quote online might cover half as much. Attach your current policy and any quotes, and your todo.is agent compares them like for like, points out lower limits or missing extras, and drafts the email asking your insurer to match.
The prompt
- Help me with a car insurance comparison. Attached: [CURRENT POLICY AND RENEWAL] and [NEW QUOTES]. My car and situation: [CAR AND DRIVER DETAILS]. Compare every option side by side in Excel: price per year and per month, liability limits, collision and comprehensive cover, deductibles or excess, uninsured driver cover, rental car, roadside help, windscreen, named drivers, mileage limit and any no-claims protection. Flag where a cheaper quote covers less than my current policy. Search the web for 3–4 other insurers in [MY COUNTRY OR STATE] that are worth getting a quote from, with links and what details each quote form asks for. Then draft an email to my current insurer asking them to match the best like-for-like price before my renewal on [RENEWAL DATE], and save it as a Gmail draft. Don't fill in any quote forms or buy anything.
What to change
- [CURRENT POLICY AND RENEWAL]: Your policy document or declarations page and the renewal letter, as PDF or photos.
- [NEW QUOTES]: Quote PDFs, screenshots or emails. Write "none yet" if you want the agent to suggest where to get them.
- [CAR AND DRIVER DETAILS]: E.g. "2019 Honda Civic, parked on the street, 12,000 miles a year, 2 drivers, no claims in 6 years".
- [MY COUNTRY OR STATE]: E.g. "Ohio", "Ontario" or "UK". Required cover differs by place.
- [RENEWAL DATE]: The date on your renewal letter.
Example result
- Car insurance comparison, 2019 Honda Civic
- Ohio · 2 drivers · 12,000 miles a year · renewal on November 3 · example insurers
- Side by side
- • Current insurer, renewal: $1,486/year · liability 100/300/100 · collision and comprehensive, $500 deductible · rental car $40/day · roadside yes · uninsured motorist 100/300
- • Quote 1, Lakeline Mutual: $1,272/year · same limits and deductibles · rental $30/day · roadside yes · best like-for-like, $214 less
- • Quote 2, Swiftcover Direct: $1,038/year · liability 50/100/50 · $1,000 deductible · no rental car · no roadside · uninsured motorist at state minimum
- • Quote 3, Granite Auto: $1,390/year · same cover, plus accident forgiveness
- Watch out
- • Quote 2 looks $448 cheaper, but halves your liability limits and doubles the deductible. One at-fault accident could cost far more than the saving.
- • Quote 1 lists only one named driver. Add the second driver and ask for a revised price.
- • Your current policy has a 5% paperless discount that isn't applied on the renewal: worth asking about.
- Insurers worth a quote
- • Three more insurers in Ohio with links, and the details each quote form needs (VIN, license numbers, prior insurer, claims in 5 years)
- Price-match email (Gmail draft, not sent)
- Subject: Renewal of policy AU-55102, request to review price
- Hello,
- My renewal for policy AU-55102 is $1,486, up from $1,312 last year, with no claims or changes. I have a quote of $1,272 with the same limits and deductibles. Could you review my premium before November 3, including the paperless discount, so I can stay with you?
- Thank you,
- Sam Whitaker
How to do it with todo.is
- Copy the prompt and fill in your car, drivers, location and renewal date.
- Paste it into todo.is and attach your current policy, the renewal letter and any quotes you have.
- Your agent compares the cover line by line, flags gaps and finds more insurers to try.
- Get the extra quotes yourself, send them to your agent, and it updates the comparison and the email.
Tips for a better result
- Compare the same limits and deductibles first. Then decide on purpose if a higher deductible is worth it.
- Shop 3–4 weeks before renewal. Some insurers price last-minute quotes higher.
- Your current insurer will often lower the price if you ask with a real quote in hand.
- Check discounts you may qualify for: multi-car, home and auto bundle, low mileage, safe-driver programs.
car insurance comparison: FAQ
- What should I compare in car insurance quotes? Liability limits, collision and comprehensive cover, deductibles, uninsured driver cover, extras like rental and roadside help, named drivers and the price. A cheaper quote with lower limits isn't a like-for-like saving.
- Can todo.is get car insurance quotes for me? It finds insurers and tells you what each quote form asks, but it doesn't fill in forms with your personal details or buy a policy. You get the quotes and your agent compares them.
- Is it worth calling my insurer before switching? Often yes. Many insurers will review a renewal price when you show a cheaper like-for-like quote, and staying avoids a gap in cover.
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