check_late_arrivals

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

Save-the-sale tool — call when the customer signals dissatisfaction with the current options ("too expensive", "let me think", "what else do you have", "is this the best you can do", "I'll check elsewhere", "can you do better"). Some carriers (Foremost STAR, etc.) run slower than the initial set and may have come back with a better rate while the customer was deliberating. This tool: 1. Pulls a fresh read of all rated carriers. 2. Compares the current cheapest bundle/LOB price to the original first-quoted best. 3. Returns has_improvement=true ONLY if a late carrier beats the original by >= $100/yr OR >= 5% — a threshold meaningful enough to justify interrupting the customer. CALL THIS ONLY WHEN: - check_quote_status has returned 'quoted' at least once (there's a baseline to compare). - The customer just expressed price resistance or hesitation (not a closed positive). - You have NOT called check_late_arrivals in the last 2 turns (don't spam). DO NOT CALL WHEN: - The customer is actively committing ("yeah let's go with A") — that's a close moment, not a wavering moment. - The customer hasn't seen the initial options yet. WHAT TO DO WITH THE RESULT: - has_improvement=true → narrate the improvement naturally ("Quick update — one more carrier just came in $X/yr cheaper. Want me to refresh your options?") and the iframe auto-updates with the new state. - has_improvement=false → acknowledge the customer's concern, pivot to value positioning against the options on the table. Don't bluff a "better one is coming" if it isn't. Use the carriers_still_pending count if relevant ("a couple more carriers are still finalizing in the background — I'll flag if anything comes in lower").