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Re:Show HN: Lemonade – the world's first P2P insurance company by drivingmenuts on Wednesday September 21, 2016 @11:50PM (#12554187)
Why is the chat necessary? Can't you just give a rough estimate based on zip?

Show me a number, boom! done.

Re:Show HN: Lemonade – the world's first P2P insurance company by sfrailsdev on Thursday September 22, 2016 @02:13AM (#12554790)
If it's simply checking one credit agency, you could let the user enter in a credit score from whatever credit agency you use to get a quote, but let the quote be contingent on their credit score exactly matching that.