Insurance Shopping Is Designed to Waste Your Time
Getting an insurance quote should take 5 minutes. In reality, each call takes 20 to 40 minutes because agents are trained to keep you on the line, gather personal information for follow-up, and push add-ons you did not ask about. To properly compare rates, you need at least 4 to 5 quotes, which means 2 to 3 hours of phone calls minimum.
And that is just the beginning. After you hang up, expect a barrage of follow-up calls, emails, and texts from agents who now have your contact information. Many people avoid shopping their insurance specifically to escape this harassment.
The stakes are high: the difference between the cheapest and most expensive auto insurance quote for the same driver averages $1,500 per year. Homeowner insurance spreads can be even wider. Not shopping around literally costs people thousands of dollars — but the process is so unpleasant that 42% of Americans have not compared insurance rates in over three years.
How KallyAI Gets Insurance Quotes
Share Your Coverage Needs
Tell KallyAI what type of insurance you need (auto, home, renters, life), your current coverage details, and any specific questions about deductibles, limits, or discounts.
KallyAI Contacts Insurers
KallyAI calls the insurance companies you specify — or a set of major providers — and requests quotes with your coverage requirements.
Navigates the Sales Process
KallyAI provides the necessary information, politely declines unnecessary add-ons, and stays focused on getting the quote and coverage details you actually need.
Delivers a Clean Comparison
You receive a structured comparison with monthly premiums, deductibles, coverage limits, discounts applied, and any notable differences between providers.
Real Example: Comparing Auto Insurance
"Get auto insurance quotes from Progressive, Geico, and State Farm for my 2022 Honda Civic. I live in Austin, TX, clean driving record, 35 years old. I want full coverage with $500 deductible."
- Call Progressive and request a full-coverage auto quote
- Call Geico with the same vehicle and driver details
- Call State Farm for comparison
- Ask each about multi-policy discounts and safe driver discounts
- Compile pricing and coverage comparison
Three quotes received: Progressive at $142/mo, Geico at $128/mo, State Farm at $156/mo. Geico offers a 12% safe driver discount already applied. Progressive has the lowest deductible option. State Farm bundles with renters insurance for $15/mo savings.
Insurance Shopping: Manual vs. KallyAI
- Research insurance providers
- Call each company during business hours
- Answer 15-20 minutes of screening questions per call
- Sit through sales pitches and add-on offers
- Take notes on pricing and terms
- Repeat for each provider
- Deal with follow-up calls for weeks
- Aggressive sales pitches on every call
- Being transferred multiple times
- Weeks of follow-up spam calls and emails
- Each call asking the same questions about your driving history
- Describe your coverage needs once
- List the providers to contact
- KallyAI handles all calls
- Review the comparison summary
- No sitting through sales pitches
- No follow-up spam to your personal number
- Consistent questions across all providers
- Easy side-by-side comparison
Frequently Asked Questions
Will insurance companies give quotes to an AI assistant?
Yes. Insurance companies provide quotes to anyone who calls with the necessary information. KallyAI provides your details as instructed and receives the same quotes you would get calling yourself.
Do I need to provide my Social Security Number?
No. KallyAI gathers preliminary quotes which typically do not require your SSN. Some insurers may offer a more precise rate with a credit check, but initial quotes are available without it.
Will I get follow-up calls after KallyAI contacts insurers?
KallyAI uses its own callback information, not your personal phone number. You should not receive direct follow-up calls from the insurance agents KallyAI contacted.
Can KallyAI help with insurance claims too?
Yes, KallyAI can call your insurance company to initiate a claim, check claim status, or ask questions about your policy. See our Insurance Claims page for details.