Predictika · Personal auto policy quotes

An AI sales agent's auto policy quote, checked before it goes out

An AI sales agent prepares a personal auto policy quote for a household: vehicles, coverages, deductible, driver details and discounts. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of these quotes and returns a verdict, every reason and the totals it computed.

Scope: Personal auto policy quotes with nine coverages (Liability, Medical Payments, Uninsured Motorist, Collision, Comprehensive, Rental Reimbursement, Travel Expense, Emergency Road Service and Rideshare), financed and leased vehicles, eight discounts, driving record and the premium before discounts. See everything this validator covers

This validator models personal auto policy quotes, not just the scenarios shown below.

  • Coverages and dependencies — Rental Reimbursement needs Collision or Comprehensive, Travel Expense needs Rental Reimbursement, and rideshare driving needs the Rideshare coverage.
  • Financed and leased vehicles — both Collision and Comprehensive, a deductible of at most 1,000, and for a leased vehicle liability limits of at least 100/300/100.
  • Discounts and driving record — Drive Safe & Save by state, Good Student, Steer Clear, Driver Training, multiple-policy, Good Driver, Defensive Driving and Passive Restraint with a combined cap, plus underwriting review for accidents, violations, very young drivers and large households, and the stated premium compared with the computed one.

Any personal auto quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: other lines of insurance, claims, and state-specific filing rules beyond the eight states modeled. Public versus modeled: the coverage names and the general eligibility ideas of the discounts come from State Farm's public auto coverage and discount pages; premiums, discount percentages, the combined cap, deductible adjustments and the underwriting thresholds are modeled by Predictika from comparable personal auto programs, are illustrative and are not published by State Farm.

The AI sales agentBuilds the auto policy quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Coverages that depend on other coveragesOnly with care
Rental needs physical damage coverage and Travel Expense needs Rental, so each dependency needs its own rule and the chain has to be kept in step.		Coverages are fields of one quote and all dependencies are checked together on every call.
Lender and lease requirementsOnly with care
The requirements depend on the ownership field and on three other fields (coverages, deductible, liability limits), so each combination needs a rule that reads several fields.		Ownership, coverages, deductible and limits are fields of one quote and are checked together.
Discounts with different eligibility and a combined capOnly with workarounds
Each discount has its own age, GPA, state or policy condition, and the cap needs the sum of all discount percentages, so a separate rule has to recompute the sum.		The discounts and the driver details are fields of one quote and the cap is compared with the computed sum on every call.
Stated premium that must match the computed premiumOnly with workarounds
The premium is built from several coverages and the number of vehicles, so a separate rule is needed to recompute it and compare it with the stated figure.		The stated premium is a field of the request and is compared with the computed premium on every call.
Underwriting reviews that must not be blocksOnly with care
A separate approval path with its own thresholds that must not overlap the blocking rules.		Blocks and approvals come back together; an approval-only quote is not blocked.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1A financed or leased vehicle needs both Collision and Comprehensive coverage.
2A financed or leased vehicle cannot carry a deductible above 1,000; the quote has 2,000.
3A leased vehicle needs liability limits of at least 100/300/100.
4Rental Reimbursement needs Collision or Comprehensive on the policy.
5Travel Expense coverage needs Rental Reimbursement on the same policy.
6The vehicle is used for rideshare driving, which needs the Rideshare coverage on the policy.
7Drive Safe & Save is not available in California, Massachusetts or Rhode Island.
8Drive Safe & Save may not apply in North Carolina; an agent must confirm it.
9The Good Student discount needs a student under 25 with a 3.0 or better GPA; the quote has age 21 and GPA x10 of 28.
10The Good Student discount needs a student under 25 with a 3.0 or better GPA; the quote has age 26 and GPA x10 of 35.
11Steer Clear is for new drivers or drivers under 25; the youngest driver is 30.
12The Driver Training discount is for operators under 21; the youngest driver is 22.
13The multiple-policy discount needs at least one other State Farm policy.
14The Good Driver discount needs no at-fault accidents or moving violations; the quote has 1 accident(s) and 0 violation(s).
15Combined discounts of 42 percent are above the 35 percent maximum.
163 at-fault accidents in three years are not eligible for this quote.
17The driving record (2 accident(s), 0 violation(s)) needs an underwriting review.
18The driving record (0 accident(s), 3 violation(s)) needs an underwriting review.
195 vehicles on one quote need an agent review.
20A driver under 18 needs an agent review of the household.
21The quote states a premium before discounts of 900 but the coverages add up to 1,390.
22The quote states a premium before discounts of 2,500 but the coverages add up to 1,390.
23The Good Driver discount needs no at-fault accidents or moving violations; the quote has 3 accident(s) and 0 violation(s).

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Leased cars used for rideshare: Two leased vehicles in California used for rideshare, with discounts

    
The agent's request. Please quote 2 leased vehicles in California, rideshare use, with 50/100/50 liability, plus Comprehensive, Rental Reimbursement, Travel Expense, Emergency Road Service, with a deductible of 2,000, and Drive Safe & Save, multiple-policy, Good Driver discounts. The youngest driver is 42, with no at-fault accidents and no other State Farm policy. The premium before discounts is 1,380 dollars for six months. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Financed or leased needs Collision and Comprehensive. A financed or leased vehicle needs both Collision and Comprehensive coverage.
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  • Lender deductible limit. A financed or leased vehicle cannot carry a deductible above 1,000; the quote has 2,000.
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  • Leased vehicle liability minimum. A leased vehicle needs liability limits of at least 100/300/100.
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  • Rideshare driving needs Rideshare coverage. The vehicle is used for rideshare driving, which needs the Rideshare coverage on the policy.
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  • Drive Safe and Save not available in this state. Drive Safe & Save is not available in California, Massachusetts or Rhode Island.
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  • Bundling needs another policy. The multiple-policy discount needs at least one other State Farm policy.
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2. Leased cars used for rideshare: The agent resubmits after fixing the errors

    
The agent's request. Please quote 2 leased vehicles in California, rideshare use, with 100/300/100 liability, plus Collision, Comprehensive, Rental Reimbursement, Travel Expense, Emergency Road Service, Rideshare, with a deductible of 1,000, and multiple-policy, Good Driver discounts. The youngest driver is 42, with no at-fault accidents and 1 other State Farm policy. The premium before discounts is 2,780 dollars for six months. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Premium before discounts 2,780; discounts 20 percent.
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3. Young driver and stacked discounts: A household with a 22 year old driver and every youth discount

    
The agent's request. Please quote 2 owned vehicles in Texas, personal use, with 100/300/100 liability, plus Collision, Comprehensive, Rental Reimbursement, Travel Expense, Emergency Road Service, with a deductible of 500, and Drive Safe & Save, Good Student, Steer Clear, Driver Training, multiple-policy, Good Driver discounts. The youngest driver is 22 with a 2.8 GPA, with 1 at-fault accident and 1 other State Farm policy. The premium before discounts is 2,580 dollars for six months. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Good Student requirements. The Good Student discount needs a student under 25 with a 3.0 or better GPA; the quote has age 22 and GPA x10 of 28.
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  • Driver Training is for operators under 21. The Driver Training discount is for operators under 21; the youngest driver is 22.
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  • Good Driver needs a clean record. The Good Driver discount needs no at-fault accidents or moving violations; the quote has 1 accident(s) and 0 violation(s).
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  • Combined discounts above 35 percent. Combined discounts of 55 percent are above the 35 percent maximum.
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  • Stated gross premium differs. The quote states a premium before discounts of 2,580 but the coverages add up to 2,780.
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4. Young driver and stacked discounts: The agent resubmits after fixing the errors

    
The agent's request. Please quote 2 owned vehicles in Texas, personal use, with 100/300/100 liability, plus Collision, Comprehensive, Rental Reimbursement, Travel Expense, Emergency Road Service, with a deductible of 500, and Drive Safe & Save, Good Student, Steer Clear, Driver Training discounts. The youngest driver is 20 with a 3.5 GPA, with 1 at-fault accident and no other State Farm policy. The premium before discounts is 2,780 dollars for six months. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Premium before discounts 2,780; discounts 35 percent.
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5. Large household and driving record: A five-vehicle household with a 17 year old driver in North Carolina

    
The agent's request. Please quote 5 owned vehicles in North Carolina, personal use, with 100/300/100 liability, plus Collision, Comprehensive, Rental Reimbursement, Travel Expense, Emergency Road Service, with a deductible of 500, and Drive Safe & Save, multiple-policy discounts. The youngest driver is 17, with 2 at-fault accidents and 1 other State Farm policy. The premium before discounts is 6,950 dollars for six months. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Accident or violation history needs underwriting. The driving record (2 accident(s), 0 violation(s)) needs an underwriting review.
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  • Drive Safe and Save in North Carolina. Drive Safe & Save may not apply in North Carolina; an agent must confirm it.
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  • More than four vehicles. 5 vehicles on one quote need an agent review.
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  • Driver under 18. A driver under 18 needs an agent review of the household.
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  • Quote summary. Premium before discounts 6,950; discounts 27 percent.
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6. Large household and driving record: The agent resubmits a smaller household in Texas

    
The agent's request. Please quote 4 owned vehicles in Texas, personal use, with 100/300/100 liability, plus Collision, Comprehensive, Rental Reimbursement, Travel Expense, Emergency Road Service, with a deductible of 500, and Drive Safe & Save, multiple-policy discounts. The youngest driver is 18, with 1 at-fault accident and 1 other State Farm policy. The premium before discounts is 5,560 dollars for six months. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Premium before discounts 5,560; discounts 27 percent.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a personal auto policy quote for a household: vehicles, coverages, deductible, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of these quotes and returns a verdict, every reason and the totals it computed.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please quote 2 leased vehicles in California, rideshare use, with 50/100/50 liability, plus Comprehensive, and more. The youngest driver is 42, with no at-fault accidents and no other State Farm policy. The rest of the request is on screen. The premium before discounts is 1,380 dollars for six months.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with six findings, all in one answer. A financed or leased vehicle needs both Collision and Comprehensive coverage. A financed or leased vehicle cannot carry a deductible above 1,000; the quote has 2,000. A leased vehicle needs liability limits of at least 100/300/100. The other three are on screen.
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  6. The validator returned six blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
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  7. What this shows: for coverages that depend on other coverages, a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the liability limits to 100/300/100, the collision to yes, the deductible to 1,000, the rideshare coverage to yes and the stated premium before discounts, to 2,780. Two more changes are on screen.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All six earlier findings are cleared.
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  13. Six problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
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