Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/DaizeDong/buy-me-a-carnpx agentmods add skills/daizedong/buy-me-a-car/insurance-shopperWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/daizedong/buy-me-a-car/insurance-shopper)<a href="https://agentmods.dev/skills/daizedong/buy-me-a-car/insurance-shopper"><img src="https://agentmods.dev/badge/skills/daizedong/buy-me-a-car/insurance-shopper/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/daizedong/buy-me-a-car/insurance-shopper"><img src="https://agentmods.dev/badge/skills/daizedong/buy-me-a-car/insurance-shopper.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00140 | $0.03564 |
| Opus 5 | $0.00070 | $0.01782 |
| Sonnet 5 | $0.00028 | $0.00713 |
| Haiku 4.5 | $0.00014 | $0.00356 |
Grade A, and why
insurance-shopper scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 234 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Insurance Shopper
Caveat: this skill is one author's playbook + 5-scenario stress test. Verify state minimums / carrier rates / discount stacking against current sources before binding a policy. Not insurance, tax, legal, or financial advice. last_verified: 2026-05-19 Scope: narrow pre-close insurance shopping + bind workflow. For full close-day flow see
../close-day-checklist/SKILL.md. For per-state fee specifics see../state-fee-lookup/SKILL.md.
Narrow helper for setting up auto insurance BEFORE the F&I appointment, with new-driver and cash-buyer edge cases handled. Use when buyer says "I need insurance for the new car" or when close day is < 7 days out and no policy exists yet.
When To Use
- Buyer asks "how do I set up insurance for the new car"
- First-time driver (license < 12 months) needs a quote
- Cash buyer asking "do I even need full coverage"
- Cross-state move (NJ resident buying in PA, etc.) and unclear which state's policy
- Close-day countdown started, no ID card secured yet
- Triggers: "set up insurance", "car insurance quote", "new driver insurance", "上保", "保险报价", "ID card before pickup", "lender requires insurance"
When NOT To Use
- Policy review for existing policyholder with no new vehicle - use a licensed agent
- Claims handling after an accident - use the carrier's claims line
- Commercial / fleet / rideshare insurance - out of scope
- Health / life / homeowners / umbrella - out of scope
- General OTD math - use
../otd-calculator/SKILL.md
The Pre-Close Gate
+--------------------------------------------------------+
| BLOCKER: Dealer will NOT release the vehicle without |
| an active insurance ID card showing the buyer + VIN. |
| Bind insurance BEFORE the F&I appointment, NOT during. |
| Walking in without coverage = dealer-controlled scramble|
| and worst-case overnight delay. |
+--------------------------------------------------------+
Target state: ID card PDF on phone, 1 paper copy in folder, before walking into F&I.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 12d ago First seen · 234 lines · 140 tokens per session scan A 5c5ff6c37064
insurance-shopper is a skill published in the GitHub repository DaizeDong/buy-me-a-car (5 stars, last pushed 8d ago), licensed MIT. It adds 140 tokens to every session and 3,564 once invoked, about $0.0007 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.
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