A pricing team asks for competitor intelligence, and the first version usually looks simple: request a few quotes, put the premiums in a spreadsheet, compare numbers. Then the quote form changes, one site starts returning captchas, another hides fees behind a dropdown, and your dataset quietly fills with nulls.
Insurance pricing is not fully hidden. Every quote flow leaks signals about how inputs affect premiums: age, postcode, deductible, vehicle type, coverage limits, policy duration, and so on. The hard part is not noticing one quote. The hard part is collecting comparable observations often enough that the data can support a decision.
Treat quotes as observations, not facts
A quote is an observation taken at a specific time with a specific input profile. Store it that way. Do not just keep insurer name and premium.
A useful quote row usually needs fields like these:
