quotor

Real, bindable home & auto insurance quotes via MCP — Texas today, expanding across the US.

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What it can do

  • Check Eligibility: Confirm whether Libertas can quote and bind insurance for the customer in their state. Call this first — before collecting any personal details — when the customer asks about insura
  • Start Quote: Begin a new home, auto, or bundled insurance quote. Returns a quote ID to use on every following call. Call this when the customer wants to get an insurance price. INTAKE ORDER (Kyle 2026
  • Update Quote: 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 ma

What data it sees

Do you need an account

No: the server works without sign-in

Real, bindable home & auto insurance quotes via MCP — Texas today, expanding across the US. Agents check eligibility, run a live multi-carrier quote, compare carrier-masked options, and hand the customer a secure link for a licensed agent to finalize the bind (never an automated purchase). 11 tools; read-only tools are open, quoting/binding tools use a free self-serve API key.

How to connect

How to connect quotor to Claude

The server address to paste into Claude settings:

https://quotor--quotor.run.tools

  1. Open Claude (claude.ai or the desktop app).
  2. Go to Settings → Connectors.
  3. Click Add custom connector.
  4. Paste the server address copied below into Remote MCP server URL and click Add.
  5. In a chat, click + → Connectors and switch the new connector on.

Custom connectors are available on Free, Pro, Max, Team and Enterprise plans (Free is limited to one). On Team and Enterprise an organization Owner adds the connector first under Organization settings → Connectors.

Authorization

After you click Add, a sign-in window for the service opens. Sign in with your own account and approve access. Claude never sees your password.

How to connect quotor to ChatGPT

The server address to paste into ChatGPT settings:

https://quotor--quotor.run.tools

  1. Open ChatGPT in a browser (chatgpt.com). A Plus, Pro, Business, Enterprise or Edu plan is required.
  2. Turn on developer mode once: Settings → Apps → Advanced settings → Developer mode.
  3. Open Settings → Connectors and click Create.
  4. Fill in the form: Name (anything), Description (one line about what the service does), MCP server URL (copy it below).
  5. Under Authentication choose OAuth if the service requires sign-in, otherwise None. Click Create.
  6. In a new chat open + → Apps/Connectors and enable the connector.

OpenAI has renamed this section before (Connectors → Apps/Plugins). If the label differs, search settings for "developer mode". On Business/Enterprise workspaces an admin must allow custom connectors first.

Authorization

On first use ChatGPT opens the service's sign-in window. Sign in and approve access.

How to connect quotor to Cursor

The server address to paste into Cursor settings:

https://quotor--quotor.run.tools

Fastest: click Open in Cursor below and confirm the prompt.

Manually:

  1. In Cursor open Settings → Cursor Settings → MCP and click Add new global MCP server.
  2. Paste the JSON copied below into ~/.cursor/mcp.json (per project: .cursor/mcp.json in the repo root).
  3. Save the file. The server appears in the MCP list; authorize it there if asked.

Authorization

If the service needs sign-in, an authorize button appears next to the server in the MCP list.

Server tool list (11)

Raw names from tools/list. Only developers need these.

check_eligibilityConfirm whether Libertas can quote and bind insurance for the customer in their state. Call this first — before collecting any personal details — when the customer asks about insurance prices, switching carriers, or shopping for coverage. State is supplied automatically from the request context (the platform's location consent flow); you don't need to ask the customer for state to call this. Returns whether quoting is available, whether binding is available, and a plain-language explanation the customer can read.
start_quoteBegin a new home, auto, or bundled insurance quote. Returns a quote ID to use on every following call. Call this when the customer wants to get an insurance price. INTAKE ORDER (Kyle 2026-06-11 — collect in this order, ONE coherent chunk per turn): 1. HOME/BUNDLE: full name + date of birth for EVERYONE on the policy (relationship for non-PNI). 2. Address of the home + "is this a new purchase, or one you've owned a while?" (new purchase → ALSO capture current_address — where they live today; property.address stays the home being bought). Then mortgage + escrow + "roughly how old is the roof? — 'I don't know' is a fine answer" ride along (roof unknown → move on, never probe; roof REPLACED → one follow-up: hail-resistant / Class 1–4? → property.hail_resistant_roof + property.ul_impact_type). The home address doubles as auto garaging unless the cars live elsewhere. 3. AUTO/BUNDLE: year/make/model of every vehicle. 4. Any drivers NOT already named in step 1 — names + DOBs + relationship. 5. Email + phone, framed as "where should I send your final numbers?" — the consent line is REQUIRED on this turn. 6. ONE open question before firing: "Any coverages you want to tell me about before I run it?" Capture whatever they volunteer via update_quote and move on — do NOT turn this into a coverage consultation. Scheduled valuables (jewelry, art, guns, collections) are a POST-BIND follow-up: record them under the follow_ups patch branch and tell the customer "our team will add that right after we get this policy locked" — never try to add them mid-quote. Then call get_quote_options immediately. Don't over-collect — the customer should reach prices fast.
update_quoteSet 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.
get_quote_optionsFire all eligible A-rated carriers in parallel AND kick off live rate-finishing. RETURNS IMMEDIATELY — does NOT wait. TWO STAGES follow: 1. First numbers land in 30–90 seconds. Options surface as honest price RANGES — the low end is the carrier's indicative, so the final verified rate usually lands AT OR BELOW the low end. 2. The system keeps working for 2–10 minutes after that, logging into carrier portals and walking each competitive quote to its exact bindable rate. Option cards harden from "estimated range" to "verified" as each carrier completes. check_quote_status reports this via its 'finishing' block. What you do during the wait: KEEP THE CONVERSATION GOING with the wait-phase playbook in the system prompt (waters first, then current premium — top priority — then claims color, pets, pool, start date, payment preference). Narrate the real finishing work honestly in ONE short line when relevant; never quantify carriers or name them. Call get_quote_options again ONLY if a rating-changing input changes (waters toggle locally — never re-fire for those).
check_quote_statusCheck rating + live-finishing progress. Call between wait-phase questions (every customer turn or two after get_quote_options). Returns one of: - 'running' — indicatives still landing; continue the wait-phase conversation, call again next turn. - 'quoted' — options[] is populated. CHECK THE 'finishing' BLOCK: when finishing.active=true, the exact bindable rates are STILL being captured live at the carrier portals — present the price ranges confidently as honest estimates (the low end is the carrier's own starting figure; NEVER promise the final number can't exceed the range), keep the conversation going, and keep checking on later turns; cards harden to 'verified' automatically as walks complete. When finishing.active=false, the run is over: cards marked 'verified' are exact bindable numbers; anything still 'estimate' stays a range that a licensed agent confirms at bind. - 'timeout' — carriers took too long; offer to retry with get_quote_options. - 'error' — all carriers errored; flag it honestly and offer to retry. Each option carries rate_state ('verified' | 'verifying' | 'estimate') and, for unverified options, price_range {low, high}. NEVER mention carrier counts or real carrier names in chat.
get_option_detailsPull the full coverage breakdown, deductibles, applied discounts, and payment plan options for a single masked option (Home Carrier A, Auto Carrier B, etc.). Use when the customer wants to dig into a specific quote before deciding. Carrier name remains masked.
get_bind_linkGenerate a single-use secure link, valid for 7 days, that the customer can follow to a Libertas bind-request page. The chat widget will usually render an inline 'Request Bind' card directly — prefer request_bind_inline for the in-chat flow. Use get_bind_link when the customer wants to leave the chat, finish on a different device, or have their final numbers emailed to them (pair it with the email offer during a long finishing wait). The bind link reveals the real carrier name (the only place it's revealed).
request_bind_inlineSubmit the customer's bind request from the chat. Triggers an internal task for our licensed team to follow up. THIS IS NOT INSTANT BIND — coverage starts only after underwriting verification, payment capture, and carrier confirmation. Call this the MOMENT the customer says any variant of "I'd like to go with [Carrier X]" / "let's do A and A" / "I'll take Carrier B". DO NOT ask another confirmation question first ("All good?", "Want me to send the request?", "Shall I submit?") — those redundant check-ins kill sales. Their commit IS the trigger. NEVER name a real carrier in chat output — stay in "Carrier A/B/C" labels.
check_late_arrivalsSave-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").
submit_leadCapture a lead for an insurance product Libertas doesn't quote inline (renters, life, commercial, motorcycle, boat, RV, umbrella, condo, landlord, etc.) — OR any home/auto customer who asks to be contacted later instead of finishing the quote in chat. Creates a row in the CRM Leads bucket so a licensed agent can follow up. CALL THIS WHEN: - The customer asks about an insurance type other than home/auto/bundle, AND has shared a name + email or phone. Confirm with the customer that you're going to have someone reach out, then call this tool. - The customer says "have someone call me later" or similar even on a home/auto inquiry. - The customer mentions an unusual circumstance and wants a human follow-up. DO NOT CALL WHEN: - The customer is still actively answering questions in the home/auto intake flow — keep going through the regular intake. - You don't have any contact info yet — ask for name + email/phone first. What it does: writes a Leads row tagged with the line of interest, contact info, preferred follow-up time, and any notes you supply. A licensed Libertas agent will reach out within one business day. Returns a confirmation message you can paraphrase to the customer ("you're on our list — someone from the team will reach out about [interest]").
resume_quotePick up an existing quote that was started in a previous session or on a different platform. The customer supplies a quote ID. Verification: if the same authenticated user (OAuth user_id matches across sessions), no extra verification is needed; otherwise the customer needs to provide an email code that was sent at quote start. Returns the current status, a summary of what's collected so far, and whether rate options are already available to review.