Compare insurance quotes on coverage, not just the price
Car, home and renters quotes all use different wording, and the cheapest one often covers less. Attach the quote PDFs and your current policy, and your todo.is agent puts them side by side: premium, deductibles, limits, extras and the exclusions that matter, with questions to ask each insurer.
The prompt
- Compare these insurance quotes for [TYPE OF INSURANCE]: [QUOTES]. My current policy is [CURRENT POLICY]. Make a side-by-side table with the yearly premium, payment options, deductible, coverage limits, add-ons included, main exclusions, claim process and cancellation terms. Highlight where a cheaper quote covers less than my current policy. Tell me what matters most for my situation: [MY SITUATION]. List questions I should ask each insurer before I decide. Save the table as an Excel file and a one-page PDF summary. Don't contact any insurer.
What to change
- [TYPE OF INSURANCE]: e.g. "car insurance", "home insurance", "renters insurance" or "travel insurance".
- [QUOTES]: Attach the quote PDFs or screenshots, 2 to 5 is ideal.
- [CURRENT POLICY]: Attach your current policy documents, or write "none".
- [MY SITUATION]: e.g. "2019 car, 15,000 km a year, parked on the street, one teen driver".
Example result
- Car insurance quotes compared
- Your situation: 2019 hatchback, 15,000 km a year, parked on the street, one 17-year-old driver added.
- Side by side
- Your current policy (Northgate)
- • Premium: highest of the four
- • Deductible: 300
- • Includes: windshield, rental car while repaired, roadside help
- Quote A · Harbor Mutual
- • Premium: about 18% less than now
- • Deductible: 300, same as now
- • Includes: windshield, roadside help. No rental car.
- Quote B · ClearDrive (cheapest)
- • Premium: about 31% less than now
- • Deductible: 1,000 for collision
- • Excludes: windshield unless you add it
- • Teen driver: only covered with a telematics app
- Quote C · Ridgeway
- • Premium: about 12% less than now
- • Deductible: 500
- • Includes everything you have now, plus new-car replacement for 2 years (not useful for a 2019 car)
- What matters for you
- • With a new teen driver, the deductible matters more than usual. One small accident with Quote B costs you 700 more than with A.
- • Street parking means theft and vandalism cover is worth keeping. All three include it.
- • Quote B's telematics rule is strict: read what happens if the app is off.
- My take
- Quote A looks like the best balance: real savings, same deductible, only the rental car is missing. Ask if they can add it.
- Questions to ask
- 1. Can you add rental car cover, and what does it cost? (A)
- 2. Is the teen driver rated as main or occasional driver? (all)
- 3. What does the telematics app record and who sees it? (B)
- 4. Is the price fixed for 12 months?
- 5. Any fee for paying monthly?
- 6. How do I make a claim, and is there a 24-hour line?
- 7. What happens to the price after one claim?
- 8. What does cancelling mid-year cost?
- This is a comparison of the documents you sent, not insurance advice. Always check the final policy wording before you buy.
How to do it with todo.is
- Get 2 to 5 quotes for the same coverage and download them as PDFs or screenshots.
- Copy the prompt, describe your situation, attach the quotes and your current policy, and send it in todo.is.
- Your agent reads the fine print and returns a side-by-side table, a summary and questions for each insurer.
- Ask the insurers your questions, then attach any updated quote and ask your agent to re-run the comparison.
Tips for a better result
- Ask for quotes with the same deductible and limits first. It makes the price comparison fair.
- Read the exclusions section. That is where cheaper quotes usually differ.
- Set a reminder one month before renewal to collect new quotes, as a scheduled to-do.
- Be honest on applications. Wrong details can lead to a claim being refused.
compare insurance quotes: FAQ
- How many insurance quotes should I compare? Three to five is usually enough to see the price range and spot a quote that covers much less.
- Is the cheapest insurance quote the best? Not always. Cheaper quotes often have a higher deductible, lower limits or more exclusions, which can cost more when you claim.
- Can the agent get insurance quotes for me? It can find insurers and their public quote pages, but you fill in quote forms and buy the policy yourself. It never signs or pays for you.
- Is this insurance advice? No. It is a comparison of the documents you provide. For complex cover, talk to a licensed broker or adviser.
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