update_quote

io.github.quotor/home-auto-insurance-quotes · Verify this server

Set or refine any quote parameter except regulated enrichment fields (credit score, MVR, CLUE, VIN-decoded vehicle attributes, public-record property attributes). Idempotent — call as many times as needed; the most recent value wins. Returns which fields were applied, which were rejected (with reasons), and whether the quote has enough info to run. WHEN TO CALL: - After collecting the required-minimum from the customer in start_quote - Whenever the customer changes their mind about any coverage, deductible, discount, payment plan, or term length - When the customer shares a declarations page and you have new values to sync CONVERSATION STYLE for coverages (per Kyle, the agency principal): After the first rates land, walk through major coverages one-or-two-at-a-time with a soft-sell framing. Example: "You have $200,000 of personal property coverage on this quote — that's the carrier's minimum and you can only go up. Does that sound like enough for your stuff?" Let the customer pick. Then call update_quote with the new value and get_quote_options again — re-quoting is free and fast (10–60 seconds). REGULATED FIELDS (will be rejected with structured reason): drivers[*].license_number, .ssn, .mvr_*, .credit_score; payment fields; carrier name; vin_decoded_attributes. The system pulls these directly from the bureaus at quote time or collects them at bind on libertasinsurance.com.