Send four AI agents to get real car insurance quotes: Gemini and ChatGPT got none, Claude and Muse got five each

Posted

Oct 6, 2026 by Thy Toeung (LinkedIn)

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Last checked

Oct 19, 2026

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Method:

How we verify

Evidence: Described by posterThe person describes what happened in words, without screenshots or video.

Outcome

Thy Toeung needed to review their car insurance before their son turned 16. They made a data sheet listing every driver, vehicle and the cover they wanted, and asked Claude, ChatGPT, Gemini and Muse to act as their insurance-shopping agent and get real quotes from six reputable insurers. Gemini's auto-browse explained it couldn't use the websites and handed back a comparison table to fill in. ChatGPT took 2 hours and 279 messages across 12 attempts and got no quotes; Toeung believes sites such as Allstate, Nationwide and Liberty Mutual block AI agents. Claude ran for 3.3 hours and got 5 real quotes. Muse, on its free tier, used several sub-agents and got 5 quotes in about 20 minutes. Toeung switched insurer and got about twice the cover for around 40% of the previous price.

Agent

Claude, ChatGPT, Gemini, Muse

The source didn't share its exact prompt, so we wrote this from what it describes.

Run this task now, exactly as written below. Everything you need is here, so start straight away and only stop if something required is missing or a rule below tells you to.

Goal: Get real car insurance quotes for my household from several insurers so I can compare like for like.

Fill in before running:
- Drivers (ages, years licensed, incidents): [DRIVERS]
- Vehicles (year, make, model, mileage, where parked): [VEHICLES]
- The cover I want (limits, deductibles, extras): [COVERAGE]
- Insurers to try: [INSURERS]

Check the final policy documents before switching, and don't cancel the old policy until the new one starts.

Rules:
- Use the same drivers, vehicles and cover on every quote.
- If a site blocks you, tell me and move on; don't keep retrying.
- Pause for me to handle logins, phone or email checks and anything that needs my signature.
- Don't buy or bind a policy.
- If a site asks me to sign in, pause and let me do it myself (including any CAPTCHA or two-step code); never guess or store passwords.
- Ask for my OK before you pay, book, send, submit or cancel anything.
- Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify.

Output: A table of quotes by insurer: premium, limits, deductibles, extras, and a note on any differences.

You'll know it worked when: I have at least three comparable real quotes and can pick one.

Run this task now, exactly as written below. Everything you need is here, so start straight away and only stop if something required is missing or a rule below tells you to.

Goal: Get real car insurance quotes for my household from several insurers so I can compare like for like.

Fill in before running:
- Drivers (ages, years licensed, incidents): [DRIVERS]
- Vehicles (year, make, model, mileage, where parked): [VEHICLES]
- The cover I want (limits, deductibles, extras): [COVERAGE]
- Insurers to try: [INSURERS]

Check the final policy documents before switching, and don't cancel the old policy until the new one starts.

Rules:
- Use the same drivers, vehicles and cover on every quote.
- If a site blocks you, tell me and move on; don't keep retrying.
- Pause for me to handle logins, phone or email checks and anything that needs my signature.
- Don't buy or bind a policy.
- If a site asks me to sign in, pause and let me do it myself (including any CAPTCHA or two-step code); never guess or store passwords.
- Ask for my OK before you pay, book, send, submit or cancel anything.
- Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify.

Output: A table of quotes by insurer: premium, limits, deductibles, extras, and a note on any differences.

You'll know it worked when: I have at least three comparable real quotes and can pick one.

Run this task now, exactly as written below. Everything you need is here, so start straight away and only stop if something required is missing or a rule below tells you to.

Goal: Get real car insurance quotes for my household from several insurers so I can compare like for like.

Fill in before running:
- Drivers (ages, years licensed, incidents): [DRIVERS]
- Vehicles (year, make, model, mileage, where parked): [VEHICLES]
- The cover I want (limits, deductibles, extras): [COVERAGE]
- Insurers to try: [INSURERS]

Check the final policy documents before switching, and don't cancel the old policy until the new one starts.

Rules:
- Use the same drivers, vehicles and cover on every quote.
- If a site blocks you, tell me and move on; don't keep retrying.
- Pause for me to handle logins, phone or email checks and anything that needs my signature.
- Don't buy or bind a policy.
- If a site asks me to sign in, pause and let me do it myself (including any CAPTCHA or two-step code); never guess or store passwords.
- Ask for my OK before you pay, book, send, submit or cancel anything.
- Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify.

Output: A table of quotes by insurer: premium, limits, deductibles, extras, and a note on any differences.

You'll know it worked when: I have at least three comparable real quotes and can pick one.

Before you finish: re-read my goal and constraints, check your answer against each one, and list anything you assumed or couldn't confirm.

Source

https://www.linkedin.com/posts/toeung_well-that-was-interesting-i-needed-to-review-activity-7513216577463271438-lPGG