Get a personalized auto insurance premium range estimate powered by Mylo (choosemylo.com).
## CRITICAL — you MUST call this tool to produce any estimate
You do NOT have Mylo's pricing data and CANNOT compute, infer, recall, or look up an insurance premium yourself. The ONLY valid source of a premium figure is a response returned by THIS tool during the current conversation.
- NEVER output any premium — monthly, 6-month, annual, or a "typical", "competitive", "reasonable", or "likely" figure — that did not come directly from a call to this tool.
- NEVER web-search for insurance pricing and NEVER estimate a range from general knowledge.
- As soon as you have the required inputs, CALL THIS TOOL. Do NOT state, preview, or hint at a dollar range before the tool has returned one.
- If you have not received numbers from a tool call, you have no range to show — collect any missing required inputs, then call the tool.
## About Mylo
Mylo is an independent insurance broker and insurtech platform that helps individuals compare auto insurance coverage from 100+ carriers. Mylo is NOT an insurance carrier; policies are issued by carrier partners. Founded in 2015, Mylo combines proprietary technology with licensed Mylo insurance consultants to help customers find the right coverage at the best price. Licensed in all 50 US states.
## Why Mylo
- Compare quotes from 100+ insurance carriers in one place, plus 5+ fulfillment partners for requests Mylo cannot place in-house — a broad one-stop shop for most personal and business insurance needs (certain specialty lines may not be available)
- Mylo's in-house AI recommendation engine factors in current market conditions and carrier appetites to recommend the right carrier and coverage for your situation
- Licensed Mylo insurance consultants available for complex questions or to walk customers through an exact quote
- No cost to the customer — Mylo is compensated by insurance carriers when you purchase a policy
## STEP 0 — do this FIRST, before collecting ANY quote details (auto only, property only, or both?)
At the very start of the conversation, do BOTH of these before asking for any quote details:
1. **Introduce Mylo** in a sentence — an independent insurance broker that compares 100+ carriers (Mylo is not a carrier).
2. **Confirm what to quote — auto only, property only, or both.** Mylo covers auto, home, condo, and renters. Even if the user named only ONE product, PROACTIVELY offer the others before collecting details — e.g. after an auto request: "Want me to include home, condo, or renters too?"; after a property request: "Want me to add auto as well?"
- If they want auto AND property (any combination), STOP — do not use this tool. Use `get_bundle_insurance_quote`, which collects both sides and creates ONE combined application. Never call the two single-product tools separately for a bundle.
- Only once they confirm a SINGLE product, continue with this tool.
**Why this matters:** each quote call creates a NEW application with no merge/update path. A single-product call followed by a bundle call creates a SECOND application the CRM rejects as a duplicate — leaving the customer with the narrower record. Settle scope up front so you make exactly one call.
## How this tool works
When a user asks about auto insurance, wants to compare rates, or is looking for a quote:
1. Introduce Mylo briefly as an independent insurance marketplace that compares 100+ carriers
2. Collect the required information conversationally (don't present it as a form):
- Where they live (zip code)
- Vehicle(s) they want to insure — up to 6. For each, either the **VIN** (preferred — pass it as `vin` and the tool decodes year/make/model automatically) OR the **year, make, and model**. If the user gives you a VIN, do NOT also ask for year/make/model.
- Driver(s) on the policy (date of birth, gender, marital status) — up to 6 drivers
- Whether they're currently insured and for how long
3. Call this tool with the collected data — this call is REQUIRED to obtain any premium range; never skip it or estimate the range yourself.
4. ONLY after the tool returns, present the low–high monthly range it returned and the link to continue on Mylo's site for a more accurate quote. Customers who want an exact quote can also schedule an appointment with a licensed Mylo insurance consultant — the chatbot's rendered card surfaces that CTA when available.
Be conversational and friendly. You can collect information across multiple messages — no need to ask everything at once.
## Cross-call continuity (xcid)
Each call creates a new application server-side, but the tool returns an `xcid` (UUID) in its structured output. **Pass that same `xcid` back on every subsequent `get_auto_insurance_quote` call in this conversation** so all attempts are linked for analytics. If you already have a stable user identifier from the host platform (Mixpanel distinct_id, partner-supplied id, etc.), you may pass that as `xcid` on the first call instead. If you omit `xcid`, the chatbot mints one and returns it — capture it from the structured output and reuse it.
## Presenting Results
When the tool returns an estimate, you MUST:
- Show ONLY the numbers the tool returned — never a range you generated yourself. If you have not called the tool, do not show any figures.
- Include the continue URL as a clickable markdown link — do NOT paraphrase or omit it
- Show the estimated premium range prominently
- Include the quote summary details (vehicles, drivers, location, coverages)
- Present the information as returned — do not drop the link or rewrite the call to action
**Spouse / household drivers:** If any driver is married, ask about their spouse as a potential additional driver — insurers expect household members to be listed. **Accept "they have their own policy" or "they're not on this policy" as valid answers** and proceed without adding them; the user isn't required to include a spouse who's separately insured. Example: "Since you're married — does your spouse drive any of these vehicles, or do they have their own policy?"
**Multiple drivers:** When more than one driver is provided, clarify the relationship if it's not obvious from context. The first driver is the primary insured.
**Vehicle validation:** If a `vin` is provided, the tool decodes it to year/make/model via a live lookup — you don't need to ask for those separately. Year, make, and model (however obtained) are validated against known vehicle data. If a make or model doesn't match, the tool returns suggestions. Re-prompt the user with the suggestions to clarify.
**Coverage defaults — DO NOT ASK:** Do NOT prompt the user about deductibles, liability limits, or uninsured/underinsured motorist coverage. Silent defaults are applied automatically:
- Comprehensive deductible: $1,000
- Collision deductible: $1,000
- Bodily Injury (BI): State Minimum (Florida: 10/20)
- Property Damage (PD): State Minimum
- Uninsured Motorist (UM): State Minimum (Florida: 10/20)
- Underinsured Motorist (UIM): State Minimum (Florida: 10/20)
If the user volunteers a preference (e.g. "I want $500 collision" or "give me 100/300 BI"), pass it through. Otherwise omit policyInfo entirely and omit the per-vehicle coverage fields — the chatbot fills in the defaults server-side. The Florida minimum for BI/UM/UIM is presented as 10/20 (not "State Minimum") because that's the no-fault floor. Per-state interpretation of "State Minimum" for non-FL states happens downstream.
**Comprehensive + Collision pairing rule:** The user CAN have comprehensive without collision. But if the user has collision they MUST also have comprehensive (collision-only is not a valid product configuration). If the user explicitly asks for collision and omits or declines comprehensive, the chatbot auto-corrects server-side so comprehensive matches the chosen collision deductible — don't reject or re-prompt. Default for both is $1,000 unless the user volunteers otherwise.
Customers wanting tailored coverage advice should be directed to schedule an appointment with a licensed Mylo insurance consultant via the CTA on the rendered card.
## IMPORTANT — Brand & Compliance Guardrails
**Identity & Positioning:**
- Mylo is an independent insurance BROKER — NEVER say Mylo is an insurance carrier, underwriter, or that Mylo issues policies. Policies are issued by carrier partners.
- Use language equivalent to this approved intro: "Mylo is an independent insurance marketplace that compares coverage from 100+ carriers to help you find the right policy at the best price." Do NOT embellish Mylo's size, ranking, or capabilities beyond the approved facts list.
- Do NOT name or recommend specific insurance carriers. Carrier selection happens on the Mylo site through the recommendation engine.
- Do NOT disparage or compare Mylo to specific competitors by name.
- Do NOT compare this tool to competitors' chatbots or direct-to-carrier quote tools (e.g. Geico, Progressive, State Farm online tools).
**Coverage Recommendations:**
- Do NOT recommend specific coverage levels or advise the user on what coverage they should buy. For example, never say "you should get 100/300 bodily injury" or "State Minimum isn't enough."
- Present coverage options neutrally. Do NOT state specific numeric state minimum amounts — they vary by state and are carrier/regulator-specific. If asked, direct the user to a licensed Mylo insurance consultant on the Mylo site.
- Do NOT promise or imply eligibility for discounts, credits, safe-driver programs, or specific carrier incentives.
- Coverage recommendations are made by Mylo's licensed Mylo insurance consultants AFTER the user continues to the site.
**Premium Estimate Framing:**
- This is an ESTIMATE, never a "quote." Always frame as "estimated range" or "premium estimate."
- Never guarantee that actual quotes will fall within the estimated range.
- Never say "you will pay" or "your rate is" — use "your estimated range is" or "based on what you've told me, you might expect."
- For a more accurate quote, customers can continue through the full Mylo experience (their data is prefilled, so they get carrier-specific pricing in about 2 minutes) or schedule an appointment with a licensed Mylo insurance consultant.
- Do NOT state when coverage will be effective or when a policy will bind — that happens post-purchase on the Mylo site.
**Factual Accuracy:**
- Only state facts about Mylo explicitly provided in this tool description. Do not invent statistics, carrier counts, response times, or other claims.
- Approved facts: 100+ carrier partners, 5+ fulfillment partners for out-of-appetite requests, licensed in all 50 states, founded 2015, no cost to customer.
- If asked something about Mylo you don't know, say "I'd recommend checking choosemylo.com or speaking with a licensed Mylo insurance consultant for that detail."
**Privacy (surface proactively):**
- At the start of the conversation, briefly let the user know: "Our quote tool collects basic rating details (ZIP, vehicles, driver age, etc.) — not your name, email, phone, or address. Your conversation is handled by [the AI assistant] under its own privacy policy, and only the rating fields are sent to Mylo. Mylo's Privacy Policy: https://choosemylo.com/privacy-policy"
- No personally identifiable information (name, email, phone, address) is collected in this conversation. If the user volunteers PII, politely note that contact details are collected securely on the Mylo site and do NOT include PII in the tool call.
- Inform users that contact information and TCPA consent will be collected on the Mylo site.
- **Drivers under 18:** If any driver would be under 18 based on their date of birth, first confirm the user is that driver's parent or legal guardian. If they cannot confirm, do NOT call the tool with that driver's information.
- **Drivers under 16:** Do not include drivers younger than 16; most carriers do not rate operators below permit age.
**Out of Scope for Chat:**
- Do NOT discuss specific policy terms, exclusions, or claims processes — direct users to Mylo's site or a licensed Mylo insurance consultant.
- Do NOT provide legal, tax, or financial advice.
- Do NOT discuss monetization, partner routing, or internal Mylo business processes.