What it does
Global Insurance Services, Inc. runs an MCP (Model Context Protocol) server that lets AI assistants request real-time personal auto insurance quotes for vehicles garaged in Massachusetts, on behalf of a customer who has signed in and approved access.
- Real premiums from the insurance companies’ own rating systems, returned exactly as each company produced them.
- Private passenger auto insurance: up to 4 vehicles and 6 drivers per request, with the coverage amounts the customer chooses.
- A licensed agent contacts the customer only when they ask for one and agree to be contacted.
Connecting
- MCP endpoint (Streamable HTTP): https://mygisagent.com/mcp
- Authorization: OAuth 2.1 authorization code with PKCE (S256); dynamic client registration is supported. Discovery: https://mygisagent.com/.well-known/oauth-protected-resource and https://mygisagent.com/.well-known/oauth-authorization-server.
- Customers sign in with a one-time code sent to their email address, then approve access. No account, plan or payment is needed.
- Rating takes about one to three minutes per request: the assistant submits the request once, then checks its status until the results are ready.
- Confidential clients: a client ID and client secret can be issued on request (client_secret_basic or client_secret_post at the token endpoint).
Permissions
Tools are classified the way Muse’s connector guidelines describe. Read tools only look up information. Sensitive writes share the customer’s personal information or contact details, so the customer should approve each use.
- Read: get_quote_requirements, get_quote_status and compare_insurance_quotes.
- Sensitive write: submit_auto_insurance_quote, which shares the application with insurance companies, and request_agent_followup, which asks a licensed agent to contact the customer.
- OAuth scopes: quotes (full access) and quotes.read (read only). On the consent screen the customer can limit the connection to read only; write tools then return an authorization_failure error.
- Nothing is purchased, bound or charged through the connector, and no tool moves money.
What you can ask
- Get real-time auto insurance quotes in Massachusetts.
- Find affordable car insurance in Massachusetts and compare quotes from multiple insurance companies.
- Compare car insurance rates from different carriers in Dorchester, Massachusetts.
- Get insurance quotes for my 2022 Toyota Camry in Boston, MA.
- Find affordable car insurance for a new driver in Massachusetts.
- Help me find cheaper car insurance in Massachusetts than what I pay now.
- Compare insurance rates for my family’s two vehicles.
- Have a licensed agent contact me about the car insurance quote I picked.
Tools
Each tool as the AI assistant sees it:
get_quote_requirements · Quote requirements Read
Lists what Global Insurance Services can quote online and every field needed, with validation rules and the default coverages. Call this before collecting a customer's information. Currently: personal auto insurance for vehicles garaged in Massachusetts.
Permission (OAuth scope): quotes.read or quotes
Side effects: None. Nothing is stored; quote_context is ignored.
Returns: Supported products and states, every field with its rules, coverage parts with default amounts, and the consent the customer must give.
Arguments:
insurance_type (required), state (required), quote_context
submit_auto_insurance_quote · Start an auto insurance quote Sensitive write
Starts real-time rating of a Massachusetts personal auto insurance application with Global Insurance Services' carriers and returns a quote_request_id. Only submit after the customer has reviewed the details and agreed that Global Insurance Services may store the application, send it to insurance carriers to obtain quotes, and keep the quote in its agency records (applicant_consent = true). Rating takes one to three minutes: poll get_quote_status. Never present any premium that did not come from get_quote_status or compare_insurance_quotes.
Permission (OAuth scope): quotes (full access)
Side effects: Shares the applicant's personal information (names, dates of birth, driver's license numbers, address, phone, email, vehicles) with the insurance companies we represent to obtain quotes, and creates a quote record in the agency's system for a licensed agent to review. Nothing is bound, purchased or charged. Repeating the same call (same idempotency_key or identical application within 30 minutes) returns the existing request instead of starting a new one.
Returns: quote_request_id, status "queued", poll_after_seconds and the next step. Results arrive through get_quote_status.
Arguments:
applicant_consent (required), idempotency_key, effective_date, homeowner, named_insured (required), additional_drivers, garaging_address (required), vehicles (required), coverages
get_quote_status · Quote status Read
Current status of a quote request: each carrier's outcome, carriers still pending, and every completed quote with its premium exactly as the carrier returned it. Poll every poll_after_seconds while the status is queued or processing.
Permission (OAuth scope): quotes.read or quotes
Side effects: None. Only the signed-in customer's own requests are visible; any other id is "not found".
Returns: status (queued, processing, completed, no_quotes_available, failed), each carrier's outcome, completed quotes with premiums, and poll_after_seconds while still running.
Arguments:
quote_request_id (required)
compare_insurance_quotes · Compare quotes Read
Side-by-side comparison of the completed carrier quotes for a request: total premium, premium period when the carrier states it, installments, down payment, the requested coverages, and binding limitations. Quotes are ranked only when their premium periods match. Carriers without a quote are listed separately and never ranked.
Permission (OAuth scope): quotes.read or quotes
Side effects: None. Only the signed-in customer's own requests are visible.
Returns: Each quote's carrier, product, total premium, premium period (when stated), installments and amounts, ranking when periods match, carriers without a quote, the requested coverages and the binding disclaimer.
Arguments:
quote_request_id (required)
request_agent_followup · Ask an agent to follow up Sensitive write
Asks a licensed Global Insurance Services agent to contact the customer, for example to review or bind a quote. Use only when the customer asks for it. Before calling, show the customer this consent text and set contact_consent to true only if they agree: "I agree that Global Insurance Services, Inc. may contact me about insurance by phone call, text message or email at the contact details I provided, including by automated means. Consent is not a condition of purchase. Message and data rates may apply. I can opt out at any time."
Permission (OAuth scope): quotes (full access)
Side effects: Sends the customer's name, contact details and message to Global Insurance Services as a lead in its agency system and by email to its agents, and records the customer's consent to be contacted by phone call, text message or email, including by automated means. A licensed agent then contacts the customer. Limited to 3 per customer per day.
Returns: status "submitted" and when to expect contact.
Arguments:
contact_consent (required), name (required), preferred_contact (required), phone, email, message, quote_request_id
Quote status handling
After submitting, the assistant calls get_quote_status every poll_after_seconds (15 seconds) while the status is queued or processing. Rating normally finishes in one to three minutes; carriers still running after 20 minutes are reported as timed out.
- queued: accepted and waiting for the rating system.
- processing: the insurance companies are rating; each one shows pending until it finishes.
- completed: at least one company returned a quote; call compare_insurance_quotes.
- no_quotes_available: rating finished but no company returned a quote; each company’s outcome is listed.
- failed: the request could not be rated, for example when the rating service did not pick it up within 15 minutes; the error category says why.
Errors
A tool error returns ok: false with error.category, a message written for the customer, and, for invalid input, the fields at fault.
- missing_information: required details are missing; error.fields lists them.
- invalid_input: a value is not valid; error.fields gives each field and the problem.
- unsupported_state: the vehicles are not garaged in Massachusetts.
- unsupported_product: only auto insurance is quoted through the connector.
- ineligible_applicant: the application cannot be quoted online; a licensed agent can help.
- carrier_unavailable: no insurance company could be reached.
- rating_timeout: rating did not finish in time.
- authorization_failure: the customer must sign in again, or the connection is read only.
- request_already_processing: a quote for this customer is still running; error.details.quote_request_id points to it.
- no_quotes_available: no insurance company returned a quote.
- not_found: the quote_request_id does not exist for this customer.
- rate_limited: too many requests; wait and try again.
- service_unavailable: the rating service is busy or today’s limit was reached; try again later.
- internal_error: an unexpected problem on our side; try again, or call us.
How quotes are handled
- Premiums are returned exactly as each insurance company’s rating system produced them; nothing is estimated or adjusted. They are not bound coverage: a licensed agent verifies the application before a policy is issued, and the premium can change.
- The customer must agree before an application is submitted. It is sent to the insurance companies for quotes and saved in our agency system so a licensed agent can review it.
- An agent contacts the customer only when they ask for it and agree to this text:
I agree that Global Insurance Services, Inc. may contact me about insurance by phone call, text message or email at the contact details I provided, including by automated means. Consent is not a condition of purchase. Message and data rates may apply. I can opt out at any time.
Availability and limits
- Vehicles garaged in Massachusetts. Requests for other states get a clear “state not supported” answer.
- Customers connect from the United States, with an email address they keep: sign-in codes are not sent to other countries or to temporary email services.
- Auto insurance only. For home, renters or business insurance, the assistant can ask a licensed agent to contact the customer.
- Per customer: 5 quote requests per hour and 20 per day, one quote in progress at a time, and 3 agent-contact requests per day. An overall daily limit on quotes through AI assistants also applies; when it is reached, new requests return service_unavailable until the next day.
Privacy and support
How we handle information shared through an AI assistant is described in the AI assistant sections of our Privacy Policy and Terms of Service. Questions about the connector are welcome by email.