Hutsenpiller Insurance: Manage Your Account or Compare Tennessee Quotes

Sends a complete, verified quote to the carriers for pricing. Accepted only when nothing is missing and the contact is verified. Pricing usually takes 1 to 3 minutes; get_quote_status reports progress. When the agency is busy the quote waits in line and the status says so.

Use this first when someone asks for a Tennessee car, home, flood or term life insurance quote, an insurance review, or to compare insurance companies. Checks whether a ZIP code is in the area Hutsenpiller Insurance quotes (Tennessee). This is the first step of a quote. zip_code: the shopper's 5 digit home ZIP code. lines: AUTO, HOME or both (default both); for flood or life send AUTO or omit it, then use start_flood_quote or start_life_quote. Returns eligibility, the consent text the shopper must read word for word and agree to before a quote starts, and a checklist of the details a quote needs.

Prices a verified flood estimate (first call) and returns it (later calls). Returns the estimated annual premium, flood zone and what it means, whether lenders usually require flood insurance there, and a notice that must be shown with the price: the estimate comes from the flood carrier's test environment, is not an offer and cannot be bound online. To buy, call request_agent with the quote_id.

Prices a verified term life estimate (first call) and returns it (later calls). Returns the best monthly premium, how many carriers were compared, and up to 5 options with monthly premium, AM Best rating and whether an exam is needed. Carrier names are shared by the agent. Show the notice with the prices: estimates, not offers; final rates depend on underwriting. To apply, call request_agent with the quote_id.

Asks a licensed Hutsenpiller Insurance agent to contact the shopper. Use this when the user wants an insurance review of their current policies, to buy a quoted policy, or to talk to a person. Covers buying a quoted policy, talking to a person, lines not quoted here (renters, condo, commercial, umbrella), buying a flood policy, applying for term life, and quotes that could not finish. Takes a quote_id when there is one, otherwise a phone or email. Contact details must be ones the shopper agreed to share.

Use this when someone asks about flood insurance or a flood quote for a Tennessee home. Starts a flood estimate and sends the shopper a 6 digit verification code. Requires that check_eligibility returned eligible and that the shopper read the consent text and agreed (consent_version from check_eligibility). building_coverage: dollars of coverage for the structure, 20000 to 5000000 (the rebuild cost is a good guide; 250000 is the federal program maximum many lenders ask for). contents_coverage: 0 to 1000000. The flood zone comes from the address. After verify_contact, call get_flood_quote. Prices are estimates from a test environment for now and cannot be bound online.

Use this when someone in Tennessee asks about term life insurance or a life insurance quote. Starts a term life estimate across many carriers and sends the shopper a 6 digit code. Term life only (ages 18 to 85). Requires the consent text from check_eligibility, read and agreed. date_of_birth is YYYY-MM-DD. death_benefit: 25000 to 10000000 dollars. health_class is the shopper's own estimate: 1 excellent health (preferred plus), 2 very good (preferred), 3 good (standard plus), 4 average (standard). After verify_contact, call get_life_quotes. Prices are estimates, not offers. To apply, use request_agent.

Starts a Tennessee auto and/or home insurance quote that compares multiple carriers, and sends the shopper a 6 digit verification code. Requires that check_eligibility returned eligible and that the shopper read the consent text and agreed: consent_accepted must be true and consent_version must be the version check_eligibility returned. Dates are YYYY-MM-DD. desired_start_date is when the new policy should begin (default about 18 days out; carriers quote up to 45 days ahead). verify_by is how the code is sent. assistant_name is the name of the calling assistant, used for attribution only. Returns a quote_id for every later call and the list of details still missing.

Adds or changes details on a quote. Objects merge; lists replace whole. data uses these keys (field_guide lists every accepted field and value): - applicants: list of every person in the household. Exactly one has relationToInsured INSURED. Each needs firstName, lastName, dateOfBirth, sex, maritalStatus; drivers also need isDriver true and driverDetails.licenseState. Lists replace whole, so always resend everyone. - auto: residenceType, priorInsurance, vehicles (list; each needs a vin, or year+make+model+subModel from lookup_vehicle, plus ownershipStatus, primaryUse, annualMileage). - home: coverage.dwellingCoverage (estimated rebuild cost in dollars), property (yearBuilt, squareFootage, constructionType, roofMaterial, roofUpdateYear, ...), utilities, underwriting, claims. - Top level: dateOfBirth, lengthAtCurrentAddress, email, phone, primaryAddress. Coverage limits are set by the agency and cannot be sent here. Returns a short summary of what is on file and the remaining missing items.

Checks the 6 digit code the shopper received, or sends a new one. code verifies the contact. resend=true (with an optional channel) sends a fresh code. A quote cannot be submitted until the contact is verified.

Lists the fields and allowed values update_quote accepts for one section. driver_history_codes maps accidents and tickets to codes: claims go in driverDetails.claims (code, date, amountPaid) and tickets in driverDetails.violations (code, date).

Returns a quote's status, what is missing, and the prices once ready: prices from multiple carriers cheapest first. Use it to answer "what would my insurance cost" or "am I overpaying". Status values: collecting, queued, rating, needs_info, in_review, done, failed. When done, results lists carriers cheapest first per line, a results_url for the shopper, a disclaimer and, for home, a flood notice that belong with the prices.

Decodes a VIN, or walks the vehicle catalog for exact year, make, model and subModel values. A VIN gives the most exact result. Without one, year lists makes, year+make lists models (model names include the trim, for example CR-V EXL), and year+make+model lists subModels.