Sigo Seguros car insurance quotes
Non-binding car insurance estimates from Sigo Seguros, a licensed agency, not a carrier.
Should I use this
Quality & Safety
A
Based on automated analysis of tool definitions and protocol compliance.
Context Cost
~14,737Tokens (tool definitions)
~19.7 KBTypical response size
Significant attention impact (11.51% of 128k context)
This is the approximate number of tokens consumed each time the server's tools are loaded into a model's context. Higher counts reduce the attention available for other tasks.
Install
One-Click Install
Add this to your `claude_desktop_config.json` file:
{
"mcpServers": {
"auto-quote": {
"url": "https://mcp.sigoseguros.com/mcp"
}
}
}Remote endpoints
https://mcp.sigoseguros.com/mcpstreamable-httpWhat it can do
Tool inventory
Tools (8)
🟢 Read-only🟡 Write🔴 Delete⚪ Unknown
🟢list_available_states(locale)
Before the flow, optional: where Sigo quotes. The flow itself is next_question, then start_quote once, then get_quote. The US states Sigo Seguros is licensed to sell car insurance in, and what Sigo is. Ask this before collecting details, so a customer elsewhere is not taken through a full quote. The state a policy is rated in comes from where the car is kept overnight, not from where the customer lives or works. Read `state_is_decided_by` before asking for a ZIP: a car kept outside these states is not quoted on a ZIP inside them, however close the customer commutes. Sigo is an agency: it sells policies that carriers issue. The carrier pays it a commission, and in almost every state where it sells, the customer pays a one-time broker fee for the agency's service — in Florida there is none. Where there is one it is real and is itemised before anyone pays, in Sigo's own flow. Asked what Sigo charges — which customers ask before there is any quote — that is the answer, with no amount: saying Sigo charges nothing is false wherever it does charge, and the checkout will contradict it.
Input Schema
{
"type": "object",
"properties": {
"locale": {
"type": "string",
"enum": [
"es",
"en"
],
"description": "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."
}
},
"required": [
"locale"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}Output Schema
{
"type": "object",
"properties": {
"states": {
"type": "array",
"items": {
"type": "object",
"properties": {
"code": {
"type": "string",
"minLength": 2,
"maxLength": 2
},
"name": {
"type": "string"
}
},
"required": [
"code",
"name"
],
"additionalProperties": false
}
},
"how_sigo_is_paid": {
"type": "string",
"description": "What to say when the customer asks what Sigo charges, in their language. No amount is in it."
},
"state_is_decided_by": {
"type": "string",
"description": "Read this before asking for a ZIP. It says what decides the state a policy is rated in, in the customer's language, and it is the one thing this list does not say on its own."
},
"carriers": {
"type": "object",
"properties": {
"catalogue_is_public": {
"type": "boolean",
"const": false,
"description": "Sigo publishes no list of the carriers it works with: it varies by state and by quote. Which ones answered is known only once a quote has run, and only those may be named."
},
"note": {
"type": "string"
}
},
"required": [
"catalogue_is_public",
"note"
],
"additionalProperties": false
}
},
"required": [
"states",
"how_sigo_is_paid",
"state_is_decided_by",
"carriers"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟢next_question(collected, answered, stage, locale)
Step 1 of 3: call it until ready_to_quote is true, sending back the collected it returns each time and each answer under answer_as.key. Then start_quote. Returns the one question to put to the customer now, in their language, with the options to offer when the field has a fixed set. Call it before each question and again after every answer, until `ready_to_quote` is true, then call `start_quote`. Send only what the customer said this turn, in `answered`, together with the `collected` from the last call. The connector keeps the record of the conversation, so nothing is repeated and an answer given before its turn is not lost. When `ready_to_quote` turns true, `summary` is what the customer has said: read it back and let them correct it before quoting. It exists so the order and the pace are the connector's rather than a matter of judgement: Sigo's customers are working people, often quoting on a phone, and a turn that asks for four things at once is where they give up. Once a ZIP is given it is checked here, so a customer outside the states Sigo is licensed in is told before being walked through the rest. There are two stretches. `stage: "first_quote"` is the one that ends in estimates. `stage: "second_round"` is for a customer who saw those estimates and wants to finish the application so the carrier can quote it for real: it asks where the car is kept, the VIN, who owns it, the licence, and a few more. The prices it leads to are still estimates; the final quote comes after the carrier's own questions, in Sigo's link. `get_quote` says when that is worth offering.
Input Schema
{
"type": "object",
"properties": {
"collected": {
"description": "The `collected` from the previous call. Leave it out on the first question of a conversation and send it on every call after that: it carries everything answered so far, so nothing has to be repeated and nothing is lost.",
"type": "string"
},
"answered": {
"description": "Only what the customer said this turn. Everything from earlier turns is already in `collected` and must not be repeated here.",
"type": "object",
"properties": {
"zip_code": {
"description": "The ZIP code, exactly as the customer gave it.",
"type": "string"
},
"vehicle_described": {
"description": "Send once year, make and model are all known.",
"type": "boolean",
"const": true
},
"vehicle": {
"description": "The car as the customer gave it, sent with `vehicle_described`. It settles nothing on its own; it is what the summary reads back.",
"type": "object",
"properties": {
"year": {
"type": "integer",
"minimum": -9007199254740991,
"maximum": 9007199254740991
},
"make": {
"type": "string",
"maxLength": 40
},
"model": {
"type": "string",
"maxLength": 40
}
},
"required": [
"year",
"make",
"model"
],
"additionalProperties": false
},
"coverage": {
"type": "string",
"enum": [
"liability",
"full_coverage"
]
},
"deductible": {
"description": "Only for full coverage.",
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"primary_use": {
"description": "One of the rater's five.",
"type": "string"
},
"uninsured_motorist": {
"type": "boolean"
},
"driver_named": {
"description": "Send once the driver's name is known.",
"type": "boolean",
"const": true
},
"driver_name": {
"description": "The name, sent with `driver_named`, so the summary can read it back.",
"type": "object",
"properties": {
"first_name": {
"type": "string",
"maxLength": 25
},
"last_name": {
"type": "string",
"maxLength": 25
}
},
"required": [
"first_name",
"last_name"
],
"additionalProperties": false
},
"birthdate": {
"description": "YYYY-MM-DD.",
"type": "string"
},
"gender": {
"type": "string"
},
"marital_status": {
"description": "Sending `married` is what brings up the spouse.",
"type": "string"
},
"spouse_named": {
"description": "Send once the spouse is on the quote.",
"type": "boolean",
"const": true
},
"document_settled": {
"description": "Send once the identity document is settled, including a customer who gave none.",
"type": "boolean",
"const": true
},
"document_type": {
"description": "Which of the six it is, sent with `document_settled`, so the summary can read it back. Never the number: that goes to `start_quote` only.",
"type": "string",
"enum": [
"us_license",
"foreign_license",
"us_id",
"foreign_id",
"consular_id",
"passport"
]
},
"primary_driver_settled": {
"description": "Send once who drives the car most is settled.",
"type": "boolean",
"const": true
},
"has_prior_insurance": {
"type": "boolean"
},
"email": {
"type": "string"
},
"address": {
"description": "Second round. Where the car is kept.",
"type": "string"
},
"vin_settled": {
"description": "Second round. Send once every vehicle has its VIN.",
"type": "boolean",
"const": true
},
"vin": {
"description": "Second round. The VIN as the customer gave it, so the summary can read it back.",
"type": "string",
"maxLength": 21
},
"document_number_settled": {
"description": "Second round. Send once every driver who is not excluded has given their document's number.",
"type": "boolean",
"const": true
},
"ownership": {
"description": "Second round. Sending `financed` or `leased` is what brings up the lienholder.",
"type": "string",
"enum": [
"owned",
"financed",
"leased"
]
},
"lienholder_settled": {
"description": "Second round. Send once the loan holder is settled.",
"type": "boolean",
"const": true
},
"license_status": {
"description": "Second round.",
"type": "string"
},
"months_licensed": {
"description": "Second round.",
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"occupation": {
"description": "Second round. The code from `find_occupation`.",
"type": "string"
},
"education": {
"description": "Second round.",
"type": "string"
},
"prior_coverage_settled": {
"description": "Second round. Send once both the months covered and the expiry are known.",
"type": "boolean",
"const": true
},
"household_drivers_settled": {
"description": "Second round. Send once the household has been asked about, whoever the answer added.",
"type": "boolean",
"const": true
},
"household_drivers": {
"description": "Second round. The others in the home by name, sent with `household_drivers_settled`; an empty list when there is nobody. Read back in the summary.",
"maxItems": 4,
"type": "array",
"items": {
"type": "string",
"maxLength": 51
}
}
},
"additionalProperties": false
},
"stage": {
"default": "first_quote",
"description": "Which stretch the conversation is in. `second_round` is for a customer who saw prices and wants to finish the application; it asks a different set, and the prices it leads to are still estimates.",
"type": "string",
"enum": [
"first_quote",
"second_round"
]
},
"locale": {
"type": "string",
"enum": [
"es",
"en"
],
"description": "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."
}
},
"required": [
"locale"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"field": {
"type": "string",
"description": "The question being asked, by name. Not the key to answer under: that is `answer_as.key`."
},
"ask": {
"type": "string",
"description": "The question, ready to put to the customer, in their language."
},
"options": {
"type": "array",
"items": {
"type": "string"
},
"description": "Every choice the customer may pick, when the field has a fixed set."
},
"answer_as": {
"anyOf": [
{
"type": "object",
"properties": {
"key": {
"type": "string",
"description": "The exact key to send this answer under in `answered` on the next call."
},
"type": {
"type": "string",
"enum": [
"string",
"integer",
"boolean",
"enum",
"mark"
],
"description": "The value's shape. `mark` means send `true` once the matter is settled; the details themselves (a name, a VIN, a spouse) go to start_quote, not here."
},
"values": {
"description": "For `enum`: the only values accepted, in English.",
"type": "array",
"items": {
"type": "string"
}
}
},
"required": [
"key",
"type"
],
"additionalProperties": false
},
{
"type": "null"
}
],
"description": "How to send the answer back. Null on the closing step, when there is nothing left to answer."
},
"ready_to_quote": {
"type": "boolean",
"description": "True when nothing is missing and start_quote can be called."
},
"collected": {
"type": "string",
"description": "Everything answered so far, this turn included. Send it back on the next call. It is the connector's record of the conversation, so nothing has to be asked twice."
},
"summary": {
"anyOf": [
{
"type": "array",
"items": {
"type": "object",
"properties": {
"field": {
"type": "string"
},
"answer": {
"type": "string"
}
},
"required": [
"field",
"answer"
],
"additionalProperties": false
}
},
{
"type": "null"
}
],
"description": "What the customer has answered, to read back to them for confirmation. Present only once `ready_to_quote` is true; null while there are still questions to ask."
}
},
"required": [
"field",
"ask",
"options",
"answer_as",
"ready_to_quote",
"collected",
"summary"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟢find_occupation(said, locale)
Second-round helper, outside the three steps: turns the customer's words into the occupation code start_quote takes. Turns what the customer said they do into the carrier's own occupation codes. Call it before sending `occupation` on a driver: the catalogue is written in trade names and customers answer in their own, so the code is never something to guess at. Pick the entry that matches what they described and send its code. An empty list means ask them another way rather than settle for the nearest thing.
Input Schema
{
"type": "object",
"properties": {
"said": {
"type": "string",
"minLength": 1,
"maxLength": 120,
"description": "What the customer said they do, in their own words — 'chofer', 'trabajo en construcción'."
},
"locale": {
"type": "string",
"enum": [
"es",
"en"
],
"description": "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."
}
},
"required": [
"said",
"locale"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"matches": {
"type": "array",
"items": {
"type": "object",
"properties": {
"code": {
"type": "string"
},
"label": {
"type": "string"
}
},
"required": [
"code",
"label"
],
"additionalProperties": false
},
"description": "The rater's entries that fit, best first. Pick the one that matches what the customer described and send its `code` as the driver's `occupation`."
},
"note": {
"type": "string",
"description": "What to do with this list, in the customer's language — including when it comes back empty."
}
},
"required": [
"matches",
"note"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟡start_quote(zip_code, vehicles, drivers, has_prior_insurance, uninsured_motorist, ...)
Step 2 of 3: call it once, with the collected next_question returned when ready_to_quote was true. It returns a quote_id for get_quote. If it answers quote_in_progress, do not call it again: read the quote_id you already have. Retrying the same call, after a timeout say, is safe: while its rating runs, the retry starts no second one and answers quote_in_progress. Asks Sigo's carriers for car insurance estimates. Carriers answer over tens of seconds, so this returns a quote_id straight away rather than waiting; read the prices with get_quote. Estimates are not binding: this does not select a policy, take payment or bind coverage. No browser is needed to get them: they come back in these tool calls, and the link in each one is where the customer continues if they want to buy. Call it once the details are gathered. Gather them a step at a time in conversation — listing every field up front reads as a form and loses people before the first answer. For a customer who already has a quote and wants something changed, pass that quote's id as revise_of instead of starting over: the same person re-quoted, not a second one. A call for a customer who already quoted today and is still at their first round revises that quote even without revise_of — the result says revised_from_quote: true — so a forgotten id never makes a second application. The same call carries the second round. Once the customer has answered what `next_question` asks with `stage: "second_round"` — address, VIN, ownership and lienholder, licence status and months held, occupation, education, prior coverage, excluded drivers, and each driver's document number in `drivers[].document.number` — send them all here with revise_of, and the carriers price the quote again on what they now know. The address the second round asks for is where the car is kept, and it is checked against the ZIP the quote is running on. They disagree, and the answer is to correct whichever one is wrong — never to move the customer onto a ZIP in a state the car is not kept in. One quote at a time per customer. If their previous quote is still being answered, this fails with quote_in_progress and a poll_after_seconds: say so, read the earlier quote with get_quote when that time has passed, then ask for this one again with revise_of. Two asks at once ("the Civic and the Silverado") are run one after the other, and each result's asked_for says which is which. Apart from arguments the schema rejects, a refusal comes back with a code, a message for the customer and a next_step for you, which says what to do next and which tool, if any, to call.
Input Schema
{
"type": "object",
"properties": {
"zip_code": {
"type": "string",
"pattern": "^[0-9]{5}$",
"description": "The 5-digit ZIP code where the vehicle is kept. It determines the state."
},
"vehicles": {
"minItems": 1,
"maxItems": 4,
"type": "array",
"items": {
"type": "object",
"properties": {
"year": {
"type": "integer",
"minimum": 1981,
"maximum": 2027
},
"make": {
"type": "string",
"minLength": 1,
"maxLength": 40,
"pattern": "^[\\p{L}\\p{N} .,'\\-/]+$"
},
"model": {
"type": "string",
"minLength": 1,
"maxLength": 40,
"pattern": "^[\\p{L}\\p{N} .,'\\-/]+$"
},
"coverage_type": {
"type": "string",
"enum": [
"liability",
"full_coverage"
]
},
"deductible": {
"description": "Only meaningful with full_coverage. Ignored otherwise.",
"anyOf": [
{
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
{
"type": "null"
}
]
},
"used_for_work": {
"default": false,
"description": "True when the customer says the vehicle is used for their work or business — deliveries, tools, a trade. Do not ask for it: set it when they bring it up. It changes nothing about the price and adds the notice their situation needs, because this is a personal auto quote and a vehicle used for a business may need a commercial policy. Driving for a transport app is not this: it has its own field, `used_for_rideshare`, and it is not quoted here at all.",
"type": "boolean"
},
"used_for_rideshare": {
"default": false,
"description": "True when the customer says they drive the vehicle for a transport or delivery app — Uber, Lyft, DiDi, Uber Eats, DoorDash, Amazon Flex and the like. Do not ask for it: set it the moment they mention it, in any wording ('manejo para Uber', 'hago entregas con la app'). Unlike every other field here it stops the quote: no estimate is produced, because a personal auto policy priced for this use is a misrepresentation the carrier can void a claim over. The customer is answered with `rideshare_needs_agent` and the link a Sigo agent reaches them through.",
"type": "boolean"
},
"primary_use": {
"type": "string",
"enum": [
"pleasure",
"artisan",
"commute",
"farm",
"business"
],
"description": "What the car is mostly used for, in the rater's own five: pleasure, artisan (tools and a trade), commute (driving to work), farm, business. Ask with all five — the ones that are not 'pleasure' are what a carrier prices differently. None of them means driving for a transport app; that answer goes in `used_for_rideshare`."
},
"vin": {
"description": "Second round only. The VIN from the customer's registration or insurance card.",
"anyOf": [
{
"type": "string",
"maxLength": 21
},
{
"type": "null"
}
]
},
"ownership": {
"description": "Second round only. Whether the car is paid off, financed or leased.",
"anyOf": [
{
"type": "string",
"enum": [
"owned",
"financed",
"leased"
]
},
{
"type": "null"
}
]
},
"lienholder": {
"description": "Second round only, and only for a financed or leased car: who holds the loan.",
"anyOf": [
{
"type": "object",
"properties": {
"name": {
"type": "string",
"minLength": 1,
"maxLength": 60,
"description": "The bank or finance company. Ask for this one; the rest is on the loan papers."
},
"address": {
"anyOf": [
{
"type": "string",
"maxLength": 120
},
{
"type": "null"
}
]
},
"city": {
"anyOf": [
{
"type": "string",
"maxLength": 60
},
{
"type": "null"
}
]
},
"state": {
"anyOf": [
{
"type": "string",
"pattern": "^[A-Za-z]{2}$"
},
{
"type": "null"
}
]
},
"zip_code": {
"anyOf": [
{
"type": "string",
"pattern": "^[0-9]{5}$"
},
{
"type": "null"
}
]
},
"loan_number": {
"anyOf": [
{
"type": "string",
"maxLength": 40
},
{
"type": "null"
}
]
}
},
"required": [
"name"
],
"additionalProperties": false
},
{
"type": "null"
}
]
}
},
"required": [
"year",
"make",
"model",
"coverage_type",
"primary_use"
],
"additionalProperties": false
}
},
"drivers": {
"minItems": 1,
"maxItems": 4,
"type": "array",
"items": {
"type": "object",
"properties": {
"first_name": {
"type": "string",
"minLength": 1,
"maxLength": 25,
"description": "Up to 25 characters, which is what the carrier's form holds. A customer whose name does not fit is asked how they want it shortened — it goes on the policy, so it is their call and not a silent trim."
},
"last_name": {
"type": "string",
"minLength": 1,
"maxLength": 25,
"description": "Up to 25 characters, same as the first name: ask rather than shorten it for them."
},
"birthdate": {
"type": "string",
"description": "YYYY-MM-DD. Age is what carriers rate on, so it is the date itself, never one worked out from an age."
},
"gender": {
"description": "The two values the rater maps; anything else is silently rated as male. It is a field on the carrier's rating form, so ask it as such rather than as a question about identity. Not asked for in California, which prohibits rating on it.",
"type": "string",
"enum": [
"male",
"female"
]
},
"marital_status": {
"description": "Offer all of them when asking. Carriers rate on it, and anything the rater does not recognise is silently rated as 'single', so a driver pushed into the nearest offered option is quoted on the wrong facts. Not asked for in California, which prohibits rating on it.",
"type": "string",
"enum": [
"single",
"married",
"widowed",
"divorced",
"separated"
]
},
"relationship": {
"description": "How this driver relates to the main one. Leave it out for the main driver. A married customer's spouse goes on the quote as a driver with 'spouse'.",
"type": "string",
"enum": [
"spouse",
"domestic-partner",
"child",
"parent",
"sibling",
"other-relative",
"non-relative"
]
},
"document": {
"description": "The driver's identity document. Optional: a customer who declines is quoted without one.",
"anyOf": [
{
"type": "object",
"properties": {
"type": {
"type": "string",
"enum": [
"us_license",
"foreign_license",
"us_id",
"foreign_id",
"consular_id",
"passport"
],
"description": "Offer all six. A customer without a US licence is quotable on a foreign licence, a consular ID (matrícula) or a passport, and offering fewer reads as being turned away. None of the six is a learner permit, and the type on its own is never read as a full licence: a permit holder is recorded with the type of the document they carry and with `license_status: \"learner-permit\"`, which is what the rater prices as a permit."
},
"number": {
"description": "Optional on a first quote. The second round asks for it, as the web does, and the carrier's questions do not open until every driver who is not excluded has it.",
"anyOf": [
{
"type": "string",
"maxLength": 30
},
{
"type": "null"
}
]
}
},
"required": [
"type"
],
"additionalProperties": false
},
{
"type": "null"
}
]
},
"license_status": {
"description": "Whether that document is in force, and the only place a learner permit is ever recorded. Send it the moment the customer says it, first quote included: a permit holder goes down as 'learner-permit' and never as a full licence, and the rater prices them as a permit. A permit and a suspended licence are both quotable, so ask it plainly.",
"anyOf": [
{
"type": "string",
"enum": [
"valid",
"learner-permit",
"suspended"
]
},
{
"type": "null"
}
]
},
"months_licensed": {
"description": "Second round only. How many months they have held the document. Offer ranges — 1 to 4 years, 5 to 8, more than 8 — and send the middle of the one they pick, which is what the other Sigo channels send.",
"anyOf": [
{
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
{
"type": "null"
}
]
},
"occupation": {
"description": "Second round only. The rater's code, from `find_occupation` — never invented and never the customer's own words. Not asked for in California.",
"anyOf": [
{
"type": "string",
"maxLength": 20
},
{
"type": "null"
}
]
},
"education": {
"description": "Second round only. Not asked for in California, which prohibits rating on it.",
"anyOf": [
{
"type": "string",
"enum": [
"less-than-high-school",
"high-school",
"some-college",
"bachelor-degree",
"master-degree"
]
},
{
"type": "null"
}
]
},
"excluded": {
"default": false,
"description": "True for a household member who is named but must not drive the car. They go on the policy as excluded rather than being left off it. Nobody prices them, so their gender and marital status are not needed — do not go back to the customer for personal details about someone who is not being rated.",
"type": "boolean"
},
"is_primary": {
"type": "boolean",
"description": "Whether this is the driver who uses the car most. Exactly one driver is, and it is the customer who says which — carriers rate on it, so choosing for them quotes a household that may not be theirs. With more than one driver and nothing said about it, ask before quoting rather than assuming the first one."
}
},
"required": [
"first_name",
"last_name",
"birthdate",
"is_primary"
],
"additionalProperties": false
}
},
"has_prior_insurance": {
"type": "boolean",
"description": "Whether the customer currently has car insurance."
},
"uninsured_motorist": {
"type": "boolean",
"description": "Whether to include uninsured-motorist protection — cover for when the other driver has no insurance. Ask it; it is the one add-on offered at this step and it changes the price."
},
"address": {
"description": "Second round only. The street address where the car is kept overnight — street and number; the ZIP already gave the city and the state. It is checked against that ZIP, and an address somewhere else is refused rather than quoted: this is the field that decides which state the policy is rated in. Where they work is not it.",
"anyOf": [
{
"type": "string",
"maxLength": 120
},
{
"type": "null"
}
]
},
"prior_coverage_months": {
"description": "Second round only, and only for a customer who has insurance now. How long they have been covered: offer 6 months, 1 year, 3 years, 4 or more.",
"anyOf": [
{
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
{
"type": "null"
}
]
},
"prior_coverage_expiration": {
"description": "Second round only. YYYY-MM-DD, when the current policy ends. Today is accepted; a date already past is refused: confirm it with the customer, and if their coverage really did end, they have no prior insurance to send.",
"anyOf": [
{
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$"
},
{
"type": "null"
}
]
},
"is_homeowner": {
"default": false,
"type": "boolean"
},
"is_student": {
"default": false,
"type": "boolean"
},
"email": {
"type": "string",
"format": "email",
"pattern": "^(?!\\.)(?!.*\\.\\.)([A-Za-z0-9_'+\\-\\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$",
"description": "Identifies the customer and is how Sigo reaches them about this quote. No phone number is collected here, so nothing can be called or texted from this channel — which is not the same as Sigo not calling: a customer who wants a call leaves their number in Sigo's own flow, through the link on their estimate, and an agent calls them."
},
"collected": {
"type": "string",
"minLength": 1,
"description": "The `collected` next_question returned once `ready_to_quote` was true. Required: it is the record that every question was put to the customer. A call without it, or with one that still has questions pending, is refused with `questions_not_finished` and creates nothing."
},
"locale": {
"type": "string",
"enum": [
"es",
"en"
],
"description": "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."
},
"correction_of": {
"description": "Only when a previous call failed with `data_not_accepted`: pass the `correction_of` it returned, together with the corrected details. The quote is retried on the same record instead of starting a second one for the same person. Never invent this value.",
"type": "string"
},
"revise_of": {
"description": "When the customer wants a quote they already have run again with something changed — another deductible, another coverage, a detail they gave wrong: pass that quote's `quote_id` here, with the full details including the change. It re-quotes the same person instead of making them a second one. Never invent this value, and never use it for a different customer.",
"type": "string"
}
},
"required": [
"zip_code",
"vehicles",
"drivers",
"has_prior_insurance",
"uninsured_motorist",
"email",
"collected",
"locale"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"quote_id": {
"type": "string",
"description": "Pass this back to get_quote to read the result again."
},
"status": {
"type": "string",
"enum": [
"pending",
"partial",
"ready",
"failed"
]
},
"more_carriers_pending": {
"type": "boolean",
"description": "True when more carriers may still return a price; the list is not final."
},
"poll_after_seconds": {
"anyOf": [
{
"type": "integer",
"minimum": -9007199254740991,
"maximum": 9007199254740991
},
{
"type": "null"
}
],
"description": "How long to wait before calling get_quote again."
},
"pending_note": {
"description": "What to do while carriers are still answering, in the customer's language. Null once the list is final.",
"type": [
"string",
"null"
]
},
"to_final_quote": {
"type": "object",
"properties": {
"available": {
"type": "boolean",
"description": "True once there are prices. There is always a next step towards the final quote."
},
"next_call": {
"description": "Exactly what to call next, with its arguments: `next_question` with stage second_round while the application is incomplete; `carrier_questions` with `quote_id` (this quote) and `chosen_quote_id` (the `quote_id` of the estimate the customer picked) once it is. Null before there are prices.",
"type": [
"string",
"null"
]
},
"note": {
"description": "What to tell the customer, in their language.",
"type": [
"string",
"null"
]
},
"price_may_change": {
"description": "One line on what finishing can do to the price, in the customer's language. It never promises a better price, and never mentions a carrier that has not answered.",
"type": [
"string",
"null"
]
}
},
"required": [
"available",
"next_call",
"note",
"price_may_change"
],
"additionalProperties": false
},
"application": {
"type": "object",
"properties": {
"complete": {
"type": "boolean",
"description": "True when the application has everything RC3 needs. False while anything is missing."
},
"still_needed": {
"anyOf": [
{
"type": "array",
"items": {
"type": "string"
}
},
{
"type": "null"
}
],
"description": "What is missing, empty when nothing is. Null on a quote issued before this was recorded, where completeness is unknown rather than proven."
},
"note": {
"type": "string",
"description": "What to do about it, in the customer's language."
}
},
"required": [
"complete",
"still_needed",
"note"
],
"additionalProperties": false
},
"state": {
"type": [
"string",
"null"
]
},
"quoted_at": {
"type": "string",
"format": "date-time",
"pattern": "^(?:(?:\\d\\d[2468][048]|\\d\\d[13579][26]|\\d\\d0[48]|[02468][048]00|[13579][26]00)-02-29|\\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\\d|30)|(?:02)-(?:0[1-9]|1\\d|2[0-8])))T(?:(?:[01]\\d|2[0-3]):[0-5]\\d:[0-5]\\d(?:\\.\\d+)?(?:Z))$"
},
"expires_at": {
"type": "string",
"format": "date-time",
"pattern": "^(?:(?:\\d\\d[2468][048]|\\d\\d[13579][26]|\\d\\d0[48]|[02468][048]00|[13579][26]00)-02-29|\\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\\d|30)|(?:02)-(?:0[1-9]|1\\d|2[0-8])))T(?:(?:[01]\\d|2[0-3]):[0-5]\\d:[0-5]\\d(?:\\.\\d+)?(?:Z))$"
},
"quotes": {
"type": "array",
"items": {
"type": "object",
"properties": {
"quote_id": {
"type": "string"
},
"carrier_name": {
"type": "string",
"description": "The carrier that issues this policy. Sigo is the agency, not the issuer."
},
"estimate": {
"type": "object",
"properties": {
"currency": {
"type": "string",
"const": "USD"
},
"due_today": {
"type": "number",
"description": "What the customer pays today to start the policy. Not the policy total."
},
"first_payment_note": {
"type": "string",
"description": "What the amount due today is, in words the customer hears. It is stated for every estimate, whichever of the two numbers is larger."
},
"monthly_payment": {
"type": "number",
"exclusiveMinimum": 0
},
"number_of_installments": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"total_for_term": {
"type": "number",
"exclusiveMinimum": 0,
"description": "What the payment plan adds up to over the term: the amount due today plus every instalment. Stated rather than left to be worked out — an agent asked for the six-month total produced one of its own."
},
"total_note": {
"type": "string",
"description": "What that total is and what it does not include. It travels with the number for the same reason the first payment's note does: a trailing sentence gets paraphrased away."
},
"term_months": {
"anyOf": [
{
"type": "integer",
"minimum": -9007199254740991,
"maximum": 9007199254740991
},
{
"type": "null"
}
],
"description": "Policy term in months, or null when the carrier did not report one. A 6-month and a 12-month quote are not comparable on the down payment alone, so do not rank on price without it."
}
},
"required": [
"currency",
"due_today",
"first_payment_note",
"monthly_payment",
"number_of_installments",
"total_for_term",
"total_note",
"term_months"
],
"additionalProperties": false
},
"quote_type": {
"type": "string",
"const": "estimate",
"description": "Always an estimate, in every round. No price the connector returns is final: the final quote is calculated by Sigo in the link, after the carrier's questions and before the customer pays."
},
"is_binding": {
"type": "boolean",
"const": false
},
"disclaimer": {
"type": "object",
"properties": {
"text": {
"type": "string",
"description": "The notice, in the customer's language."
},
"show_verbatim": {
"type": "boolean",
"const": true,
"description": "This text goes to the customer as it is written, in the same answer as the price. It is short enough to fit: shortening it further drops the disclosure Sigo is required to make, and a summary of it is not that disclosure. It carries no instructions to the model and none to the customer."
}
},
"required": [
"text",
"show_verbatim"
],
"additionalProperties": false
},
"next_step": {
"anyOf": [
{
"type": "object",
"properties": {
"action": {
"type": "string",
"const": "continue_with_sigo"
},
"url": {
"type": "string",
"format": "uri"
}
},
"required": [
"action",
"url"
],
"additionalProperties": false
},
{
"type": "null"
}
],
"description": "Where the customer continues with Sigo — present only once the list of prices is final. While carriers are still answering it is null, because a customer cannot choose from a list that is still filling."
}
},
"required": [
"quote_id",
"carrier_name",
"estimate",
"quote_type",
"is_binding",
"disclaimer",
"next_step"
],
"additionalProperties": false
}
},
"problems": {
"type": "array",
"items": {
"type": "object",
"properties": {
"code": {
"type": "string"
},
"message": {
"type": "string",
"description": "Customer-safe wording. Upstream carrier or configuration detail is never included."
}
},
"required": [
"code",
"message"
],
"additionalProperties": false
}
},
"contact": {
"type": "object",
"properties": {
"phone_collected_here": {
"type": "boolean",
"const": false,
"description": "No phone number reaches this connector: the input schema has no field for one."
},
"sigo_calls_customers": {
"type": "boolean",
"const": true,
"description": "Sigo's agents do call and text customers. What cannot happen is a call arranged from here, because this channel never has a number to call."
},
"url": {
"description": "Where the customer leaves a phone number for a Sigo agent. Present as soon as the list is final, whether or not anything was quoted; null only while carriers are still answering. This is the only way on from here — do not offer another.",
"type": [
"string",
"null"
]
},
"note": {
"type": "string",
"description": "What to say when the customer asks to be called, in their language."
}
},
"required": [
"phone_collected_here",
"sigo_calls_customers",
"url",
"note"
],
"additionalProperties": false
},
"covers": {
"type": "object",
"properties": {
"vehicles": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"drivers": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"note": {
"description": "Present from two vehicles up: say it with the prices, because one amount for a household reads as an amount per car. Null for a single vehicle, where the amount can only mean one thing.",
"type": [
"string",
"null"
]
}
},
"required": [
"vehicles",
"drivers",
"note"
],
"additionalProperties": false
},
"asked_for": {
"type": "object",
"properties": {
"vehicles": {
"type": "array",
"items": {
"type": "object",
"properties": {
"position": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991,
"description": "1-based, in the order start_quote received them."
},
"year": {
"type": "integer",
"minimum": -9007199254740991,
"maximum": 9007199254740991
},
"coverage_type": {
"type": "string",
"enum": [
"liability",
"full_coverage"
]
},
"deductible": {
"anyOf": [
{
"type": "integer",
"minimum": -9007199254740991,
"maximum": 9007199254740991
},
{
"type": "null"
}
],
"description": "Null for liability, or when none was given."
}
},
"required": [
"position",
"year",
"coverage_type",
"deductible"
],
"additionalProperties": false
},
"description": "Empty on a quote started before this field existed; then the agent's own record is the label."
},
"drivers": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
}
},
"required": [
"vehicles",
"drivers"
],
"additionalProperties": false,
"description": "Label each answer with this when comparing two quotes for the same customer, so \"con deducible de 1000\" is matched to the quote that asked for it."
},
"revised_from_quote": {
"type": "boolean",
"description": "True when this quote re-quoted the same customer: started with revise_of, or for a customer who already quoted today and was still at their first round. One person, one application, priced again."
},
"price_levers": {
"type": "object",
"properties": {
"available": {
"type": "array",
"items": {
"type": "string"
},
"description": "The only changes worth offering, and they re-quote: empty when this quote has none, and then the honest answer is that there is nothing to adjust at this step."
},
"note": {
"type": "string",
"description": "How to answer the question, in the customer's language."
}
},
"required": [
"available",
"note"
],
"additionalProperties": false
},
"personal_use_note": {
"description": "Present when the customer said the vehicle is used for work. Say it with the prices: this quote is personal auto. Null when they said nothing about it, and then the subject is not raised.",
"type": [
"string",
"null"
]
},
"carriers": {
"type": "object",
"properties": {
"answered": {
"type": "array",
"items": {
"type": "string"
},
"description": "The carriers that returned a price for this quote, and the only ones that may be named."
},
"catalogue_is_public": {
"type": "boolean",
"const": false,
"description": "Sigo publishes no list of the carriers it works with: it varies by state and by quote, and cannot be derived from this response. A carrier absent from `answered` is not thereby a carrier Sigo does not work with."
},
"note": {
"type": "string",
"description": "What may be said about carriers, in the customer's language."
}
},
"required": [
"answered",
"catalogue_is_public",
"note"
],
"additionalProperties": false
},
"issued_by": {
"type": "object",
"properties": {
"agency": {
"type": "string",
"const": "Sigo"
},
"role": {
"type": "string",
"const": "licensed insurance agency"
},
"underwrites_policies": {
"type": "boolean",
"const": false
},
"pays_claims": {
"type": "boolean",
"const": false
},
"charges_broker_fee": {
"type": "boolean",
"description": "Whether Sigo charges this customer a broker fee, which depends on their state. True: a fee for the agency's service, on top of a commission from the carrier. False: Sigo charges them no fee at all. Either way it is not part of the amounts in this response — those are the carrier's — and cannot be derived from them: where there is one, it is itemised for the customer before purchase. An estimate is not the final cost of buying through Sigo."
}
},
"required": [
"agency",
"role",
"underwrites_policies",
"pays_claims",
"charges_broker_fee"
],
"additionalProperties": false
}
},
"required": [
"quote_id",
"status",
"more_carriers_pending",
"poll_after_seconds",
"pending_note",
"to_final_quote",
"application",
"state",
"quoted_at",
"expires_at",
"quotes",
"problems",
"contact",
"covers",
"asked_for",
"revised_from_quote",
"price_levers",
"personal_use_note",
"carriers",
"issued_by"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟢get_quote(quote_id, locale)
Step 3 of 3: read the quote_id start_quote returned, after poll_after_seconds, until more_carriers_pending is false. Never start_quote again to refresh a result. Reads the estimates for a quote_id returned by start_quote. Carriers answer at different speeds: when more_carriers_pending is true the list is not final and poll_after_seconds says how long to wait before asking again. The list closes within a minute either way, with whatever arrived — a carrier that did not answer is not a price, and there is none to go looking for. Once it is closed, to_final_quote.next_call is what to do next. No price here is final, in any round: the final quote is calculated by Sigo in the link, after the carrier's questions.
Input Schema
{
"type": "object",
"properties": {
"quote_id": {
"type": "string",
"minLength": 1,
"description": "The handle start_quote returned."
},
"locale": {
"default": "es",
"type": "string",
"enum": [
"es",
"en"
],
"description": "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."
}
},
"required": [
"quote_id"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"quote_id": {
"type": "string",
"description": "Pass this back to get_quote to read the result again."
},
"status": {
"type": "string",
"enum": [
"pending",
"partial",
"ready",
"failed"
]
},
"more_carriers_pending": {
"type": "boolean",
"description": "True when more carriers may still return a price; the list is not final."
},
"poll_after_seconds": {
"anyOf": [
{
"type": "integer",
"minimum": -9007199254740991,
"maximum": 9007199254740991
},
{
"type": "null"
}
],
"description": "How long to wait before calling get_quote again."
},
"pending_note": {
"description": "What to do while carriers are still answering, in the customer's language. Null once the list is final.",
"type": [
"string",
"null"
]
},
"to_final_quote": {
"type": "object",
"properties": {
"available": {
"type": "boolean",
"description": "True once there are prices. There is always a next step towards the final quote."
},
"next_call": {
"description": "Exactly what to call next, with its arguments: `next_question` with stage second_round while the application is incomplete; `carrier_questions` with `quote_id` (this quote) and `chosen_quote_id` (the `quote_id` of the estimate the customer picked) once it is. Null before there are prices.",
"type": [
"string",
"null"
]
},
"note": {
"description": "What to tell the customer, in their language.",
"type": [
"string",
"null"
]
},
"price_may_change": {
"description": "One line on what finishing can do to the price, in the customer's language. It never promises a better price, and never mentions a carrier that has not answered.",
"type": [
"string",
"null"
]
}
},
"required": [
"available",
"next_call",
"note",
"price_may_change"
],
"additionalProperties": false
},
"application": {
"type": "object",
"properties": {
"complete": {
"type": "boolean",
"description": "True when the application has everything RC3 needs. False while anything is missing."
},
"still_needed": {
"anyOf": [
{
"type": "array",
"items": {
"type": "string"
}
},
{
"type": "null"
}
],
"description": "What is missing, empty when nothing is. Null on a quote issued before this was recorded, where completeness is unknown rather than proven."
},
"note": {
"type": "string",
"description": "What to do about it, in the customer's language."
}
},
"required": [
"complete",
"still_needed",
"note"
],
"additionalProperties": false
},
"state": {
"type": [
"string",
"null"
]
},
"quoted_at": {
"type": "string",
"format": "date-time",
"pattern": "^(?:(?:\\d\\d[2468][048]|\\d\\d[13579][26]|\\d\\d0[48]|[02468][048]00|[13579][26]00)-02-29|\\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\\d|30)|(?:02)-(?:0[1-9]|1\\d|2[0-8])))T(?:(?:[01]\\d|2[0-3]):[0-5]\\d:[0-5]\\d(?:\\.\\d+)?(?:Z))$"
},
"expires_at": {
"type": "string",
"format": "date-time",
"pattern": "^(?:(?:\\d\\d[2468][048]|\\d\\d[13579][26]|\\d\\d0[48]|[02468][048]00|[13579][26]00)-02-29|\\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\\d|30)|(?:02)-(?:0[1-9]|1\\d|2[0-8])))T(?:(?:[01]\\d|2[0-3]):[0-5]\\d:[0-5]\\d(?:\\.\\d+)?(?:Z))$"
},
"quotes": {
"type": "array",
"items": {
"type": "object",
"properties": {
"quote_id": {
"type": "string"
},
"carrier_name": {
"type": "string",
"description": "The carrier that issues this policy. Sigo is the agency, not the issuer."
},
"estimate": {
"type": "object",
"properties": {
"currency": {
"type": "string",
"const": "USD"
},
"due_today": {
"type": "number",
"description": "What the customer pays today to start the policy. Not the policy total."
},
"first_payment_note": {
"type": "string",
"description": "What the amount due today is, in words the customer hears. It is stated for every estimate, whichever of the two numbers is larger."
},
"monthly_payment": {
"type": "number",
"exclusiveMinimum": 0
},
"number_of_installments": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"total_for_term": {
"type": "number",
"exclusiveMinimum": 0,
"description": "What the payment plan adds up to over the term: the amount due today plus every instalment. Stated rather than left to be worked out — an agent asked for the six-month total produced one of its own."
},
"total_note": {
"type": "string",
"description": "What that total is and what it does not include. It travels with the number for the same reason the first payment's note does: a trailing sentence gets paraphrased away."
},
"term_months": {
"anyOf": [
{
"type": "integer",
"minimum": -9007199254740991,
"maximum": 9007199254740991
},
{
"type": "null"
}
],
"description": "Policy term in months, or null when the carrier did not report one. A 6-month and a 12-month quote are not comparable on the down payment alone, so do not rank on price without it."
}
},
"required": [
"currency",
"due_today",
"first_payment_note",
"monthly_payment",
"number_of_installments",
"total_for_term",
"total_note",
"term_months"
],
"additionalProperties": false
},
"quote_type": {
"type": "string",
"const": "estimate",
"description": "Always an estimate, in every round. No price the connector returns is final: the final quote is calculated by Sigo in the link, after the carrier's questions and before the customer pays."
},
"is_binding": {
"type": "boolean",
"const": false
},
"disclaimer": {
"type": "object",
"properties": {
"text": {
"type": "string",
"description": "The notice, in the customer's language."
},
"show_verbatim": {
"type": "boolean",
"const": true,
"description": "This text goes to the customer as it is written, in the same answer as the price. It is short enough to fit: shortening it further drops the disclosure Sigo is required to make, and a summary of it is not that disclosure. It carries no instructions to the model and none to the customer."
}
},
"required": [
"text",
"show_verbatim"
],
"additionalProperties": false
},
"next_step": {
"anyOf": [
{
"type": "object",
"properties": {
"action": {
"type": "string",
"const": "continue_with_sigo"
},
"url": {
"type": "string",
"format": "uri"
}
},
"required": [
"action",
"url"
],
"additionalProperties": false
},
{
"type": "null"
}
],
"description": "Where the customer continues with Sigo — present only once the list of prices is final. While carriers are still answering it is null, because a customer cannot choose from a list that is still filling."
}
},
"required": [
"quote_id",
"carrier_name",
"estimate",
"quote_type",
"is_binding",
"disclaimer",
"next_step"
],
"additionalProperties": false
}
},
"problems": {
"type": "array",
"items": {
"type": "object",
"properties": {
"code": {
"type": "string"
},
"message": {
"type": "string",
"description": "Customer-safe wording. Upstream carrier or configuration detail is never included."
}
},
"required": [
"code",
"message"
],
"additionalProperties": false
}
},
"contact": {
"type": "object",
"properties": {
"phone_collected_here": {
"type": "boolean",
"const": false,
"description": "No phone number reaches this connector: the input schema has no field for one."
},
"sigo_calls_customers": {
"type": "boolean",
"const": true,
"description": "Sigo's agents do call and text customers. What cannot happen is a call arranged from here, because this channel never has a number to call."
},
"url": {
"description": "Where the customer leaves a phone number for a Sigo agent. Present as soon as the list is final, whether or not anything was quoted; null only while carriers are still answering. This is the only way on from here — do not offer another.",
"type": [
"string",
"null"
]
},
"note": {
"type": "string",
"description": "What to say when the customer asks to be called, in their language."
}
},
"required": [
"phone_collected_here",
"sigo_calls_customers",
"url",
"note"
],
"additionalProperties": false
},
"covers": {
"type": "object",
"properties": {
"vehicles": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"drivers": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"note": {
"description": "Present from two vehicles up: say it with the prices, because one amount for a household reads as an amount per car. Null for a single vehicle, where the amount can only mean one thing.",
"type": [
"string",
"null"
]
}
},
"required": [
"vehicles",
"drivers",
"note"
],
"additionalProperties": false
},
"asked_for": {
"type": "object",
"properties": {
"vehicles": {
"type": "array",
"items": {
"type": "object",
"properties": {
"position": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991,
"description": "1-based, in the order start_quote received them."
},
"year": {
"type": "integer",
"minimum": -9007199254740991,
"maximum": 9007199254740991
},
"coverage_type": {
"type": "string",
"enum": [
"liability",
"full_coverage"
]
},
"deductible": {
"anyOf": [
{
"type": "integer",
"minimum": -9007199254740991,
"maximum": 9007199254740991
},
{
"type": "null"
}
],
"description": "Null for liability, or when none was given."
}
},
"required": [
"position",
"year",
"coverage_type",
"deductible"
],
"additionalProperties": false
},
"description": "Empty on a quote started before this field existed; then the agent's own record is the label."
},
"drivers": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
}
},
"required": [
"vehicles",
"drivers"
],
"additionalProperties": false,
"description": "Label each answer with this when comparing two quotes for the same customer, so \"con deducible de 1000\" is matched to the quote that asked for it."
},
"revised_from_quote": {
"type": "boolean",
"description": "True when this quote re-quoted the same customer: started with revise_of, or for a customer who already quoted today and was still at their first round. One person, one application, priced again."
},
"price_levers": {
"type": "object",
"properties": {
"available": {
"type": "array",
"items": {
"type": "string"
},
"description": "The only changes worth offering, and they re-quote: empty when this quote has none, and then the honest answer is that there is nothing to adjust at this step."
},
"note": {
"type": "string",
"description": "How to answer the question, in the customer's language."
}
},
"required": [
"available",
"note"
],
"additionalProperties": false
},
"personal_use_note": {
"description": "Present when the customer said the vehicle is used for work. Say it with the prices: this quote is personal auto. Null when they said nothing about it, and then the subject is not raised.",
"type": [
"string",
"null"
]
},
"carriers": {
"type": "object",
"properties": {
"answered": {
"type": "array",
"items": {
"type": "string"
},
"description": "The carriers that returned a price for this quote, and the only ones that may be named."
},
"catalogue_is_public": {
"type": "boolean",
"const": false,
"description": "Sigo publishes no list of the carriers it works with: it varies by state and by quote, and cannot be derived from this response. A carrier absent from `answered` is not thereby a carrier Sigo does not work with."
},
"note": {
"type": "string",
"description": "What may be said about carriers, in the customer's language."
}
},
"required": [
"answered",
"catalogue_is_public",
"note"
],
"additionalProperties": false
},
"issued_by": {
"type": "object",
"properties": {
"agency": {
"type": "string",
"const": "Sigo"
},
"role": {
"type": "string",
"const": "licensed insurance agency"
},
"underwrites_policies": {
"type": "boolean",
"const": false
},
"pays_claims": {
"type": "boolean",
"const": false
},
"charges_broker_fee": {
"type": "boolean",
"description": "Whether Sigo charges this customer a broker fee, which depends on their state. True: a fee for the agency's service, on top of a commission from the carrier. False: Sigo charges them no fee at all. Either way it is not part of the amounts in this response — those are the carrier's — and cannot be derived from them: where there is one, it is itemised for the customer before purchase. An estimate is not the final cost of buying through Sigo."
}
},
"required": [
"agency",
"role",
"underwrites_policies",
"pays_claims",
"charges_broker_fee"
],
"additionalProperties": false
}
},
"required": [
"quote_id",
"status",
"more_carriers_pending",
"poll_after_seconds",
"pending_note",
"to_final_quote",
"application",
"state",
"quoted_at",
"expires_at",
"quotes",
"problems",
"contact",
"covers",
"asked_for",
"revised_from_quote",
"price_levers",
"personal_use_note",
"carriers",
"issued_by"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟢resolve_application_link(pasted_link, locale)
Outside the three steps: for a customer who arrives with a Sigo link they already have. Says what a Sigo link points at, how far that application has got, and the one thing the customer has to do next. Call it when someone shows up with a link — from an email, a text, or their own notes — and asks for help finishing. Pass what they wrote, as they wrote it. It resolves the short link, the long one and a bare code, with surrounding words and punctuation. It reads only: it opens nothing on the customer's behalf, and asking twice changes nothing. It reports no price, carrier or personal detail, because Sigo does not send any — whoever holds a link gets this same answer, so there is nothing here that identifies its owner. Say the `message` as given rather than composing one.
Input Schema
{
"type": "object",
"properties": {
"pasted_link": {
"type": "string",
"minLength": 1,
"maxLength": 2048,
"description": "The link or code the customer gave, exactly as they wrote it — surrounding words and punctuation are fine. Do not clean it up or guess at a link the customer did not provide."
},
"locale": {
"type": "string",
"enum": [
"es",
"en"
],
"description": "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."
}
},
"required": [
"pasted_link",
"locale"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}Output Schema
{
"type": "object",
"properties": {
"state": {
"type": "string",
"enum": [
"in_progress",
"final_quote_ready",
"signature_owed",
"awaiting_binding",
"needs_agent",
"complete",
"not_found"
],
"description": "How far the application has got. Coarse on purpose."
},
"next_step": {
"type": "string",
"description": "The single next action, as a value. `message` is the wording for it."
},
"message": {
"type": "string",
"description": "What to tell the customer, already written in their language. Say this rather than composing your own: it is the only description of the application Sigo has checked, and it deliberately states no price, carrier or personal detail because none was read."
},
"url": {
"description": "The link to hand back so the customer can continue, or null when nothing resolved. Use this URL rather than the one the customer pasted.",
"type": [
"string",
"null"
]
}
},
"required": [
"state",
"next_step",
"message",
"url"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟢carrier_questions(quote_id, chosen_quote_id, locale)
After the three steps, when to_final_quote.next_call names it: the questions of the estimate the customer picked. Then answer_carrier_questions. Once the customer has picked an estimate, this returns the questions that carrier asks in their state — attestations and disclosures the carrier words itself. Say `preamble` first, then ask one `ask_together` block per turn, each question exactly as it is worded; they are not Sigo's questions to reword. Send the answers with `answer_carrier_questions`. `can_answer_here` is false where that carrier does not finish online, and then a Sigo agent takes it from there. Either way the customer keeps the link: they can finish on the web at any point without losing what they have answered.
Input Schema
{
"type": "object",
"properties": {
"quote_id": {
"type": "string",
"minLength": 1,
"description": "The handle start_quote returned."
},
"chosen_quote_id": {
"type": "string",
"minLength": 1,
"description": "The `quote_id` of the estimate the customer picked, from the list they were shown."
},
"locale": {
"type": "string",
"enum": [
"es",
"en"
],
"description": "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."
}
},
"required": [
"quote_id",
"chosen_quote_id",
"locale"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"can_answer_here": {
"type": "boolean",
"description": "False when there is nothing to ask here yet: the application is still missing details, or the carrier does not finish online in this state. Check `still_needed` to tell the two apart."
},
"still_needed": {
"anyOf": [
{
"type": "array",
"items": {
"type": "string"
}
},
{
"type": "null"
}
],
"description": "What the application still lacks, when that is why the questions are not here. An empty array means nothing is missing. Null means this is not about the application at all — either the questions came back, or the carrier does not finish online here."
},
"questions": {
"type": "array",
"items": {
"type": "object",
"properties": {
"code": {
"type": "string",
"description": "Send the answer back under this code."
},
"wording": {
"type": "string",
"description": "The carrier's own words, in the customer's language. Ask it as it is written: do not reword it, do not soften it, and do not turn it around. The customer is attesting to this for the record."
},
"wording_language": {
"type": "string",
"enum": [
"es",
"en"
],
"description": "The language `wording` is in, which is the conversation's own. A carrier with no wording in it is not answered here at all: `can_answer_here` is false and a Sigo agent takes it."
},
"answer_type": {
"type": "string",
"description": "What kind of answer it takes, as the platform types it — `yes_no` on every question seen so far. Send a boolean for those; anything else goes as text."
},
"required": {
"type": "boolean"
},
"depends_on": {
"description": "The code of the question this one hangs off. Ask it only once that one is answered; null when it stands on its own.",
"type": [
"string",
"null"
]
}
},
"required": [
"code",
"wording",
"wording_language",
"answer_type",
"required",
"depends_on"
],
"additionalProperties": false
},
"description": "In the order the platform ranked them."
},
"ask_together": {
"type": "array",
"items": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "Codes that can be put to the customer in one turn, grouped the way the carrier groups them. Ask each block as one message and send its answers together. A question with `depends_on` is in no block: it gets its own turn, after the one it hangs off. Empty when there is nothing to ask here."
},
"preamble": {
"description": "Sigo's own words for the customer, to say as they are before the first question. Not one of the carrier's questions and not answered. Null when there is nothing to ask here.",
"type": [
"string",
"null"
]
},
"note": {
"type": "string",
"description": "How to put these, in the customer's language."
},
"next_step": {
"type": "object",
"properties": {
"action": {
"type": "string",
"const": "continue_with_sigo"
},
"url": {
"type": "string"
},
"note": {
"type": "string"
}
},
"required": [
"action",
"url",
"note"
],
"additionalProperties": false,
"description": "Where the customer finishes. Theirs at any point, not only at the end."
}
},
"required": [
"can_answer_here",
"still_needed",
"questions",
"ask_together",
"preamble",
"note",
"next_step"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟡answer_carrier_questions(quote_id, chosen_quote_id, answers, answers_so_far, locale)
After carrier_questions: file the answers, passing answers_so_far back each time, until the set is complete. Saves what the customer answered against their application, which is what moves it towards a final quote. Send every answer under the code it came back with, and only what the customer actually said. This does not take payment, sign anything or bind coverage. Those happen in Sigo's own flow, through the link that comes back here. The carrier takes its questions as a set, so answers are held until every one has been given. Pass the `answers_so_far` from the previous call back in, and only the new answer needs to go in `answers`.
Input Schema
{
"type": "object",
"properties": {
"quote_id": {
"type": "string",
"minLength": 1,
"description": "The handle start_quote returned."
},
"chosen_quote_id": {
"type": "string",
"minLength": 1,
"description": "The estimate the customer picked."
},
"answers": {
"minItems": 1,
"type": "array",
"items": {
"type": "object",
"properties": {
"code": {
"type": "string",
"minLength": 1,
"description": "The question's code, exactly as it came back."
},
"value": {
"anyOf": [
{
"type": "string",
"maxLength": 500
},
{
"type": "boolean"
}
],
"description": "What the customer answered."
}
},
"required": [
"code",
"value"
],
"additionalProperties": false
},
"description": "What the customer said, in their own answers. Never filled in on their behalf."
},
"answers_so_far": {
"description": "The `answers_so_far` from the previous call, when there was one. It carries what the customer already answered, so only the new answer needs to go in `answers`. It survives a re-quote: after start_quote with revise_of, send the same token with the new quote_id and the answers still stand, as long as the carrier is the same one. Nobody has to be asked twice.",
"type": "string"
},
"locale": {
"type": "string",
"enum": [
"es",
"en"
],
"description": "The language the customer is writing in. Set it from their own messages rather than leaving the default: the estimate's notice comes back in this language, and a notice the customer cannot read discloses nothing. Sigo serves these two languages only."
}
},
"required": [
"quote_id",
"chosen_quote_id",
"answers",
"locale"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"answered": {
"type": "integer",
"minimum": -9007199254740991,
"maximum": 9007199254740991,
"description": "How many of the carrier's questions have an answer so far, counting the earlier turns."
},
"filed": {
"type": "boolean",
"description": "True once the carrier has the whole set. The carrier takes it whole or not at all, so answers are held until every required question has one."
},
"still_needed": {
"type": "array",
"items": {
"type": "string"
},
"description": "The codes of the required questions with no answer yet. Empty when the set is complete."
},
"answers_so_far": {
"description": "Everything answered up to now, to pass back on the next call so nothing is lost. Null once the carrier has the set and there is nothing left to carry.",
"type": [
"string",
"null"
]
},
"note": {
"type": "string",
"description": "What is done and what is still ahead, in the customer's language."
},
"next_step": {
"type": "object",
"properties": {
"action": {
"type": "string",
"const": "continue_with_sigo"
},
"url": {
"type": "string"
},
"note": {
"type": "string"
}
},
"required": [
"action",
"url",
"note"
],
"additionalProperties": false,
"description": "Paying and signing happen here, not in this conversation."
}
},
"required": [
"answered",
"filed",
"still_needed",
"answers_so_far",
"note",
"next_step"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}Community
Evidence
Recent observations
verifiedversion not recorded8 tools