Indicative US auto insurance prices for agents: rating facts only, no PII, consented path to agents.
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For a registered agency: its states, rail, terms, founding period, queued and delivered counts, credit balance, and whether the licence was verified. Requires the buyer key issued at confirmation.
Issued to the licensed contact at confirmation
For a registered agency: its states, rail, terms, founding period, queued and delivered counts, credit balance, and whether the licence was verified. Requires the buyer key issued at confirmation.
| Argument | Type | Description |
|---|---|---|
| buyer_key* | string | Issued to the licensed contact at confirmation |
{
"type": "object",
"required": [
"buyer_key"
],
"properties": {
"buyer_key": {
"type": "string",
"description": "Issued to the licensed contact at confirmation"
}
}
}Check whether we can return quotes for a state before any personal details are collected. Call this first. Returns the states we are licensed in, what we can do in each, and how many licensed agents can take a request there.
| Argument | Type | Description |
|---|---|---|
| state | string | Two-letter US state code, e.g. NV |
| product* | string |
{
"type": "object",
"required": [
"product"
],
"properties": {
"state": {
"type": "string",
"description": "Two-letter US state code, e.g. NV"
},
"product": {
"enum": [
"auto"
],
"type": "string",
"default": "auto"
}
}
}What happens to anything you send us: who receives it, for what purpose, how long it is kept, how your human revokes it, and the exact consent wording to present before request_agent_contact. Machine readable so you can evaluate the exchange before making it.
No arguments.
{
"type": "object",
"properties": {}
}Return indicative auto insurance prices from multiple carriers, where this entity is licensed to show them. Takes rating facts only — no name, phone, email, SSN or licence number is required for an indicative price. Where we are not licensed to show prices, the request is still registered and a quote_id returned so licensed agents can quote it. If facts are missing the server asks for exactly what it needs and nothing more.
| Argument | Type | Description |
|---|---|---|
| state | string | Optional; derived from the ZIP when absent |
| coverage* | string | |
| garaging_zip* | string | Five-digit ZIP where the vehicle is kept |
| vehicle_year* | integer | |
| date_of_birth* | string | |
| annual_mileage | integer | |
| violations_3yr | integer | |
| years_licensed | integer | |
The qualified demand dataset contains only requests backed by a cryptographically or IP-verified agent, or a phone-verified consumer outcome. User-agent claims, legacy rows, probes and impostors are quarantined and unavailable for sale. Qualified rows are de-identified (age band, ZIP3, vehicle, coverage, mileage band, prices shown, door, verified agent identity and outcome). Never a name, phone, email, date of birth or five-digit ZIP. Filter by state, since, until, door, vendor; limit and offset. Priced per record with a minimum per pull; pay with a prepaid buyer key, x402, MPP or AP2. Without payment the result is a 402 with the price and a preview count. A free sample and the schema are at /data.json.
| Argument | Type | Description |
|---|---|---|
| door | string | |
| limit | integer | |
| since | string | |
| state | string | |
| until | string | |
| offset | integer | |
| vendor | string | |
| mandate | string | AP2 Payment Mandate |
Drain the queue of pool records routed to you. Requires your buyer key. Metered buyers receive an x402 payment requirement (status 402, accepts[]) until a payment is supplied. Records are projected to the scope the consumer granted — never wider.
| Argument | Type | Description |
|---|---|---|
| mandate | string | AP2 Payment Mandate |
| payment | string | x402 X-PAYMENT payload |
| buyer_key* | string | |
| credential | string | MPP credential (the base64url JSON that would follow "Authorization: Payment") |
{
"type": "object",
"required": [
"buyer_key"
],
"properties": {
"mandate": {
"type": "string",
"description": "AP2 Payment Mandate"
},
"payment": {
"type": "string",
"description": "x402 X-PAYMENT payload"
},
"buyer_key": {
"type": "string"
},
"credential": {
"type": "string",
"description": "MPP credential (the base64url JSON that would follow \"Authorization: Payment\")"
}
}
}For an AI working for a licensed insurance agency: register the agency to receive consented consumer requests in its states. Needs the agency name, the producer NPN (National Producer Number) and its state, the states it is appointed in, the licensed contact's name, email and mobile, and how leads should arrive (email, webhook, or pull by key). The licensed contact confirms by a link sent to their email; nothing is delivered before that. The first agencies in a state receive leads free for a founding period, then prepaid credits by card. Read /join for the terms.
| Argument | Type | Description |
|---|---|---|
| npn* | string | NPN (National Producer Number). Your NPN is on your licence and at nipr.com. Digits only. |
| rail | string | How leads arrive: email, an https webhook (HMAC-signed), or pull by key over MCP/REST |
| states | array | Two-letter states the agency is appointed in; defaults to npn_state |
| handoff | boolean | Optional standing order. When true, and the licence record places this agency in a city we publish, the agency becomes the one agency a consumer in that city is handed to by name: it is named in the consumer's consent before consent is given, and it receives that record alone rather than sharing it. Nothing is owed until the agency accepts a handoff, and an accepted one is $25. It is not exclusive and it is not a purchase. |
| website | string | |
| npn_state* | string |
Connect the consumer with licensed insurance agents who can quote firm and bind. Needs the quote_id from get_quotes, the consumer's name and phone, and the consumer's explicit consent to be contacted — granted by the human, presented by you, or confirmed by the human directly at the consent URL the elicitation returns. Under scope contact_consumer up to 4 licensed agents receive the request and contact details; sell_identity additionally permits sharing with marketing partners. Nothing leaves without the consent. Every delivery and refusal is receipted, and POST /forget revokes.
| Argument | Type | Description |
|---|---|---|
| consent* | object | |
| quote_id* | string | From get_quotes |
| best_time | string | |
| full_name* | string | |
| phone_number* | string | US mobile or landline |
| verify_token | string | Optional. From POST /v1/verify/check after the consumer enters the code texted to them. A verified number sells at the verified price and is contacted first. |
| email_address | string | |
| street_address |
| prior_continuous |
| boolean |
| vehicle_make_model* | string |
{
"type": "object",
"required": [
"garaging_zip",
"date_of_birth",
"vehicle_year",
"vehicle_make_model",
"coverage"
],
"properties": {
"state": {
"type": "string",
"description": "Optional; derived from the ZIP when absent"
},
"coverage": {
"enum": [
"state minimum",
"standard",
"full"
],
"type": "string"
},
"garaging_zip": {
"type": "string",
"description": "Five-digit ZIP where the vehicle is kept"
},
"vehicle_year": {
"type": "integer"
},
"date_of_birth": {
"type": "string",
"format": "date"
},
"annual_mileage": {
"type": "integer"
},
"violations_3yr": {
"type": "integer"
},
"years_licensed": {
"type": "integer"
},
"prior_continuous": {
"type": "boolean"
},
"vehicle_make_model": {
"type": "string"
}
}
}| payment |
| string |
| x402 X-PAYMENT payload |
| buyer_key | string | A prepaid buyer key |
| credential | string | MPP credential |
{
"type": "object",
"properties": {
"door": {
"type": "string"
},
"limit": {
"type": "integer",
"default": 1000,
"maximum": 10000
},
"since": {
"type": "string",
"format": "date-time"
},
"state": {
"type": "string"
},
"until": {
"type": "string",
"format": "date-time"
},
"offset": {
"type": "integer",
"default": 0
},
"vendor": {
"type": "string"
},
"mandate": {
"type": "string",
"description": "AP2 Payment Mandate"
},
"payment": {
"type": "string",
"description": "x402 X-PAYMENT payload"
},
"buyer_key": {
"type": "string",
"description": "A prepaid buyer key"
},
"credential": {
"type": "string",
"description": "MPP credential"
}
}
}| Two-letter state that issued the licence |
| agency_name* | string |
| webhook_url | string |
| contact_name* | string | The licensed contact, who confirms by email |
| verify_token | string | Optional: from POST /v1/verify/check after the contact enters the code texted to them |
| contact_email* | string |
| contact_phone* | string | US mobile |
{
"type": "object",
"required": [
"agency_name",
"npn",
"npn_state",
"contact_name",
"contact_email",
"contact_phone"
],
"properties": {
"npn": {
"type": "string",
"description": "NPN (National Producer Number). Your NPN is on your licence and at nipr.com. Digits only."
},
"rail": {
"enum": [
"email",
"webhook",
"pull"
],
"type": "string",
"default": "email",
"description": "How leads arrive: email, an https webhook (HMAC-signed), or pull by key over MCP/REST"
},
"states": {
"type": "array",
"items": {
"type": "string"
},
"description": "Two-letter states the agency is appointed in; defaults to npn_state"
},
"handoff": {
"type": "boolean",
"default": false,
"description": "Optional standing order. When true, and the licence record places this agency in a city we publish, the agency becomes the one agency a consumer in that city is handed to by name: it is named in the consumer's consent before consent is given, and it receives that record alone rather than sharing it. Nothing is owed until the agency accepts a handoff, and an accepted one is $25. It is not exclusive and it is not a purchase."
},
"website": {
"type": "string"
},
"npn_state": {
"type": "string",
"description": "Two-letter state that issued the licence"
},
"agency_name": {
"type": "string"
},
"webhook_url": {
"type": "string"
},
"contact_name": {
"type": "string",
"description": "The licensed contact, who confirms by email"
},
"verify_token": {
"type": "string",
"description": "Optional: from POST /v1/verify/check after the contact enters the code texted to them"
},
"contact_email": {
"type": "string"
},
"contact_phone": {
"type": "string",
"description": "US mobile"
}
}
}| string |
| Optional. Lets a licensed agent answer firm. |
| preferred_channel | string |
{
"type": "object",
"required": [
"quote_id",
"full_name",
"phone_number",
"consent"
],
"properties": {
"consent": {
"type": "object",
"required": [
"granted"
],
"properties": {
"text": {
"type": "string",
"description": "The exact words the consumer agreed to"
},
"scope": {
"enum": [
"contact_consumer",
"sell_identity"
],
"type": "string",
"default": "contact_consumer"
},
"granted": {
"type": "boolean",
"description": "true only if the human agreed to the presented text"
},
"version": {
"type": "string",
"description": "Or \"v1\" to adopt our standard text from data_use_terms"
},
"evidence": {
"type": "object",
"properties": {
"id": {
"type": "string"
},
"url": {
"type": "string"
},
"type": {
"type": "string"
}
},
"description": "Optional proof, e.g. a call recording id"
}
}
},
"quote_id": {
"type": "string",
"description": "From get_quotes"
},
"best_time": {
"type": "string"
},
"full_name": {
"type": "string"
},
"phone_number": {
"type": "string",
"description": "US mobile or landline"
},
"verify_token": {
"type": "string",
"description": "Optional. From POST /v1/verify/check after the consumer enters the code texted to them. A verified number sells at the verified price and is contacted first."
},
"email_address": {
"type": "string"
},
"street_address": {
"type": "string",
"description": "Optional. Lets a licensed agent answer firm."
},
"preferred_channel": {
"enum": [
"phone",
"sms",
"email"
],
"type": "string"
}
}
}