AI and insurance choices

How to use Muse, Codex or another AI agent to compare car insurance: seven prompts

Ask an AI agent to find comparable car insurance quotes, trace each answer to the current policy or insurer document, and show the trade-offs behind a lower premium. The prompts below work as a research workflow in Muse, Codex, Grok Bot, OpenClaw or Claude Code when the tools you use can access the required sources. You make the final decisions and confirm the terms with the insurer.

By iCare Insurance Published 2026-09-28 Factual review 2026-09-28 10 min read

Start with the country and the job you want done

Choose New Zealand, Australia or the relevant US state before requesting quotes. Insurance types, terminology, legal requirements and available providers differ. In New Zealand, third-party, third-party fire and theft, and comprehensive cover protect different risks; agreed and market value also differ. Consumer Protection says to compare what a policy covers as well as its price.

Muse describes a personal agent that can use a browser and connected apps. X describes Grok Bot as a Premium+ background agent. OpenClaw documents browser control. Codex and Claude Code are primarily coding agents whose web and file access depends on their configured tools. A prompt does not grant any of these tools browser access, a local insurer panel or permission to transact. Check availability and permissions in your own account before use.

Which agent should do which part?

Use the same seven prompts across tools. Give each tool only the files and access needed for that step. The descriptions below are based on vendor documentation checked on 28 September 2026; your account may offer fewer functions.

Which agent should do which part?
Tool	Useful comparison task	Check before use
Muse	Search and organise accessible shopping pages and follow-up questions	Regional availability, connected apps and action approvals
Codex	Analyse redacted policy files, calculate costs and draft a comparison	Whether web and file tools are enabled in your workspace
Grok Bot	Monitor a defined research task through connected apps	Premium+ access, app permissions and available regions
OpenClaw	Read public insurer pages in its managed browser	Which browser profile, site sessions and tools it can control
Claude Code	Compare documents and produce a reproducible table	Available file, web and connector tools

Prompt 1: set the scope and keep the agent in research mode

Replace the brackets. Start with public policy wordings and a redacted summary of your current cover. Give further personal details only through a channel you have checked.

I live in [New Zealand / Australian state or territory / US state]. Help me review [car / home / health / life] insurance. My renewal date is [date]. My goal is [lower total cost / broader protection / both]. My non-negotiable cover is [list], and the most I could comfortably pay as an excess or deductible after a claim is [amount].

For now, research and draft only. Use insurer and regulator sources where possible. State today's access date, the country and the channels you searched. Flag providers or quotes you could not access. Do not claim to have searched the whole market. Do not enter accounts, submit forms, send messages, buy or cancel cover without a new, specific approval from me. If a tool is unavailable, tell me exactly what I must check myself.

Prompt 2: check the renewal before shopping

The FMA recommends asking your insurer how the premium was calculated, whether applicable discounts were included, and what alternatives are available. A renewal review can reveal an error or a useful adjustment without a provider change.

Read my redacted renewal notice and current schedule. Extract the premium, payment frequency, instalment charges, excesses, insured value, named drivers, vehicle use, optional extras, discounts and any notified changes. For every item, cite a page or clause; put missing or conflicting facts in an 'ask insurer' list. Draft five short questions for my current insurer about the premium change, discounts, changes to excess or benefits, and a comparable renewal offer. Do not invent a discount or assume I qualify.

FMA: insurance and provider questions

Prompt 3: collect car quotes on the same assumptions

Use the same vehicle, drivers, address area, use, annual distance, insured value, cover type, limits and excess for each quote. The US NAIC likewise advises supplying the same information when comparing. A price from a comparison site or an uncompleted form may be only an estimate.

Find current car-insurance quote routes available for [country/state]. Compare [comprehensive / third-party / another specified level] on these SAME assumptions: vehicle [description], ordinary use [private/commute/business], driver group [description], annual distance [range], parking [description], insured value [agreed/market and amount], excess [amount], and desired extras [list]. Do not submit an application.

Create a table with insurer, quote URL, quote or estimate status, quote date, annualised price in one currency, instalment fees, cover type, liability limit, own-car cover, excess including special excesses, agreed/market value, major exclusions, optional extras and missing documents. Link the current policy wording. Mark each quote that needs my own entry or insurer confirmation.

NAIC: comparing online auto quotes

Prompt 4: audit the cheapest quote against real situations

The lowest premium can shift costs to the claim. Check additional driver excesses, windscreen, theft, flood, towing, temporary transport, business use and any important limits against the exact wording. An absent answer is an unknown, not proof of cover.

Take my current policy and the two lowest comparable offers. For each, answer these scenarios using the policy wording and personal schedule: (1) I damage my own car; (2) I damage someone else's property; (3) an occasional driver uses the car; (4) theft or weather damage; (5) broken glass; (6) the car is used for [actual use]; (7) the car is written off. Show 'covered / excluded / conditional / unknown', applicable excesses and limits, and the exact document/page/clause. Highlight every reduction from my current cover and ask the insurer to confirm uncertain points in writing.

Prompt 5: calculate savings with the risk beside them

Annualise monthly payments and include fees and expiring discounts. A higher excess can reduce premiums while increasing what you pay after a claim. Choose an excess you could actually fund. The sample figures below are fictional and are only to demonstrate the calculation.

Prompt 5: calculate savings with the risk beside them
Illustrative option	Annual premium	Excess	Premium plus one excess
Current	NZ$1,200	NZ$500	NZ$1,700
Alternative	NZ$900	NZ$1,000	NZ$1,900

Using only verified figures, calculate each option's 12-month premium including instalment fees and the first-year discount expiry. Show the difference from my current premium. Then show premium plus one applicable excess for a hypothetical accepted claim; explain that this is a simple scenario, not expected cost or a prediction of claims. Put missing fees, special excesses, cover reductions and disputed assumptions beside the arithmetic. Do not rank an offer until those gaps are resolved.

NZ Consumer Protection: excess and premium

Prompt 6: challenge the recommendation

Ask the agent to test its own shortlist. That exposes partial market coverage, stale wording and lower prices caused by weaker terms.

Review your proposed top two choices as a sceptical insurance adviser would. List every reason the cheaper quote could be a worse fit: lower limits, higher or additional excess, narrower drivers or vehicle use, exclusions, valuation method, missing extras, price changes and unverified eligibility. Then list reasons it may genuinely be better. For each reason show evidence or 'unknown'. Tell me what questions I should send to the insurer and what would change your conclusion. Keep the current policy as an option.

Prompt 7: extend the method to other insurance

For New Zealand health, life and income protection cover, a new application can change treatment of existing conditions, definitions or waiting periods. The FMA says replacement needs careful comparison and that old cover should remain until new cover is in force. Home and business policies call for their own insured values, event triggers and exclusions.

Adapt the comparison to [health / life / income protection / home / business] insurance in [country/state]. Keep the current policy, adjusting it, and replacing it as separate options. Identify this insurance type's benefit definitions, insured sums, limits, excess or waiting period, exclusions, existing-condition or prior-claim treatment, renewal price pattern and commencement conditions. Cite the current wording, personal schedule and final offer separately. Mark underwriting pending or unknown. Draft questions for a licensed insurer or appropriately authorised adviser; do not decide that an existing condition is covered from a brochure.

Before an application or cancellation

Ask for the final premium, insurer, policy version, personal schedule, endorsements, declarations, start date and any remaining conditions. Answer insurer questions accurately yourself and ask the insurer when uncertain. Do not let an agent infer an answer from an old document. Review each submission, payment and cancellation as a separate action with a clear record of your approval. An AI summary or preliminary quote does not establish that cover is in force.

As at 28 September 2026, New Zealand's Contracts of Insurance Act 2024 reforms are scheduled to come into force on 15 November 2027. Do not use an AI summary of those future duties as a statement of today's law. For Australian policies, check the Product Disclosure Statement and applicable state rules. For US auto insurance, minimum requirements and available benefits vary by state.

If you use an AI service with personal documents, check its data handling first and share the minimum required. The NZ Privacy Commissioner gives guidance for organisations using AI with personal information. Our website contact form is for an initial enquiry; do not send complete policies, health, identity or bank documents through it.

Questions people ask

Can Muse find my cheapest car insurance? It may help collect accessible offers where available. The lowest price can only be described among the offers actually obtained on matching assumptions; quotes and availability require your own verification.

Can Codex or Claude Code do the same? They can organise documents and comparisons if configured with the relevant files and web tools. Their primary product focus is coding, and browser or account access is setup dependent.

Can Grok Bot or OpenClaw buy the policy for me? Some configurations can act in connected apps or a browser. Keep transaction permissions narrow, review every answer and obtain the insurer's final confirmation before changing cover.

How much could I save? There is no reliable general figure for your circumstances. Compare real annual prices with matching cover, fees, excesses and any lost benefits.

This guide is general information. For a personal decision, check your circumstances and final documents with the insurer or an appropriately authorised adviser. You can ask iCare about the scope of a consultation and a suitable document channel.

Sources

This article is general information only. It does not take your personal circumstances into account and is not financial advice.