diff --git a/src/layouts/insurance-company/insurance-company.vue b/src/layouts/insurance-company/insurance-company.vue
index 79e238d47..452484e48 100644
--- a/src/layouts/insurance-company/insurance-company.vue
+++ b/src/layouts/insurance-company/insurance-company.vue
@@ -16,6 +16,13 @@
                             v-model="parentAccountNumber"
                             :originalList="originalList" />
                     </div>
+                    <textLink
+                        id="payOnMyOwnBackButton"
+                        useLoadingModal
+                        linkType="text"
+                        :text="payWithCashButtonCopy"
+                        href="javascript:void(0)"
+                        @click-event="backButtonAction(foreceCashSelectionOnQuote = true)" />
 
                     <navbar
                         cmsWidgetName="FunnelFooterWidget"
@@ -36,6 +43,7 @@ import navbar from "@/fmg-components/nav-bar/nav-bar";
 import funnelSubHeader from "@/fmg-components/funnel-sub-header/funnel-sub-header";
 import loadingModal from "@/fmg-components/loading-modal/loading-modal.vue";
 import insuranceCompanyQuestion from "@/layouts/insurance-company/insurance-company-question";
+import textLink from "../../ux-components/text-link/text-link.vue";
 
 // Supporting files
 import { fetchCmsContentForPage } from "@/helpers/cms-content-helper";
@@ -92,6 +100,9 @@ export default {
         isParentAccountNumber() {
             return !!this.parentAccountNumber;
         },
+        payWithCashButtonCopy() {
+            return this.getCmsContent("PayWithCashWidget", "Text");
+        }
     },
     methods: {
         isCashParentAccountNumber() {
@@ -109,8 +120,13 @@ export default {
         arePagePrerequisitesValid() {
             return store.getters.order.payment.isInsurance === true;
         },
-        backButtonAction() {
+        backButtonAction(forceCashSelectionOnQuote) {
             // Go back to Quote page
+            if (forceCashSelectionOnQuote) {
+                this.$router.navigateWithoutSaving(this.navigationScenarios.CLICKED_BACK, this.$route, {"isCashSelected": true});
+                return;
+            }
+                
             this.$router.navigateWithoutSaving(this.navigationScenarios.CLICKED_BACK, this.$route);
         },
         async forwardButtonAction() {
@@ -157,6 +173,7 @@ export default {
         Form,
         loadingModal,
         insuranceCompanyQuestion,
+        textLink,
     },
 };
 </script>
diff --git a/src/layouts/molding-questions/molding-questions.vue b/src/layouts/molding-questions/molding-questions.vue
index 1bcc3d7a8..2c5f5a7c3 100644
--- a/src/layouts/molding-questions/molding-questions.vue
+++ b/src/layouts/molding-questions/molding-questions.vue
@@ -78,6 +78,20 @@ export default {
                     );
                 }
 
+                if (store.getters.externalParameterCustomer?.phoneNumber) {
+                    await baseMixin.methods.dispatchStoreAction(
+                        storeActions.SAVE_PHONE_NUMBER,
+                        store.getters.externalParameterCustomer.phoneNumber,
+                        false
+                    );
+
+                    await baseMixin.methods.dispatchStoreAction(
+                        storeActions.SAVE_IS_SMS_OPT_IN,
+                        true,
+                        false
+                    );
+                }
+
                 baseMixin.methods.ResetExternalParamsAndHideModal();
             }
         });
diff --git a/src/layouts/part-questions/part-questions.vue b/src/layouts/part-questions/part-questions.vue
index f905e86c7..d60ddbb70 100644
--- a/src/layouts/part-questions/part-questions.vue
+++ b/src/layouts/part-questions/part-questions.vue
@@ -79,6 +79,21 @@ export default {
                         false
                     );
                 }
+
+                if (store.getters.externalParameterCustomer?.phoneNumber) {
+                    await baseMixin.methods.dispatchStoreAction(
+                        storeActions.SAVE_PHONE_NUMBER,
+                        store.getters.externalParameterCustomer.phoneNumber,
+                        false
+                    );
+
+                    await baseMixin.methods.dispatchStoreAction(
+                        storeActions.SAVE_IS_SMS_OPT_IN,
+                        true,
+                        false
+                    );
+                }
+                
                 baseMixin.methods.ResetExternalParamsAndHideModal();
             }
         });
diff --git a/src/layouts/quote/quote.spec.js b/src/layouts/quote/quote.spec.js
index deca0d6d1..522bc4f2e 100644
--- a/src/layouts/quote/quote.spec.js
+++ b/src/layouts/quote/quote.spec.js
@@ -577,6 +577,56 @@ describe("quote.vue", () => {
         //Assert
         expect(wrapper.vm.isInsuranceSelected).toBe(false);
     });
+    test("should default to cash if isCashSelected is true, despite all other checks pointing to insurance selection", async () => {
+        // Also needs no query parameter or previous selection in store to be present
+        //Arrange
+
+        store.getters = {
+            lineItems: {
+                glassParts: ["item", "item2"],
+            },
+            applicationUser: {
+                experiments: [],
+            },
+            order: {
+                lineItems: {
+                    glassParts: ["item", "item2"],
+                },
+                payment: {
+                    isInsurance: true,
+                },
+                customer: {
+                    emailAddress: "test@test.com",
+                },
+                serviceLocation: {
+                    state: null,
+                },
+            },
+            vehicle: {
+                cardId: "123",
+            },
+            experimentSettings: {
+                settingName: "SERVICE_PACKAGE_DISCOUNT",
+            },
+        };
+        mockTierOnePrice = 505;
+        const { wrapper } = setupMocks({});
+
+
+        //Act
+        await quote.beforeRouteEnter.call(
+            wrapper.vm,
+            { query: { fmgPage: "quote",
+                isInsuranceSelected: true,
+                isCashSelected: true,
+             } },
+            undefined,
+            (c) => c(wrapper.vm)
+        );
+
+        //Assert
+        expect(wrapper.vm.isInsuranceSelected).toBe(false);
+    });
     test("should default to insurance if total economy package price is over $500", async () => {
         // Also needs no query parameter or previous selection in store to be present
         //Arrange
diff --git a/src/layouts/quote/quote.vue b/src/layouts/quote/quote.vue
index 4428f6e40..20dc16304 100644
--- a/src/layouts/quote/quote.vue
+++ b/src/layouts/quote/quote.vue
@@ -328,6 +328,10 @@ export default {
             }
 
             const getIsInsuranceSelectedValue = (availableLineItems, insuranceThreshold) => {
+                // query param checked here is set on insurance-selection "Pay on my own" link click
+                if (to.query?.isCashSelected || to.query?.iscashselected) {
+                    return false;
+                }
                 const serviceLocationState = store.getters.order.serviceLocation.state;
 
                 // usually true when returning from heritage but can be false when returning from heritage on a save quote
diff --git a/src/layouts/service-zip/service-zip.vue b/src/layouts/service-zip/service-zip.vue
index 717880553..ae7609da8 100644
--- a/src/layouts/service-zip/service-zip.vue
+++ b/src/layouts/service-zip/service-zip.vue
@@ -202,11 +202,18 @@ export default {
         async forwardButtonAction() {
             const zipCodeData = await this.getZipCodeData(this.serviceZipCode);
 
-            if (vinPagesMixin.methods.isPhoneNumber(this.emailOrSms)) {
-                const phone = this.emailOrSms.replace(/[()]/g, "");
-                await this.dispatchStoreAction(storeActions.SAVE_PHONE_NUMBER, phone, false);
-            } else {
-                await this.dispatchStoreAction(storeActions.SAVE_EMAIL, this.emailOrSms, false);
+            // if no value due to field being optional, blank both phone and email address
+            if (!this.emailOrSms) {
+                await this.dispatchStoreAction(storeActions.SAVE_PHONE_NUMBER, "", false);
+                await this.dispatchStoreAction(storeActions.SAVE_EMAIL, "", false);
+            }
+            else { 
+                if (vinPagesMixin.methods.isPhoneNumber(this.emailOrSms)) {
+                    const phone = this.emailOrSms.replace(/[()]/g, "");
+                    await this.dispatchStoreAction(storeActions.SAVE_PHONE_NUMBER, phone, false);
+                } else {
+                    await this.dispatchStoreAction(storeActions.SAVE_EMAIL, this.emailOrSms, false);
+                }
             }
 
             await this.dispatchStoreAction(
diff --git a/src/layouts/vehicle-damage/vehicle-damage.vue b/src/layouts/vehicle-damage/vehicle-damage.vue
index 6e9c4b198..46efb4728 100644
--- a/src/layouts/vehicle-damage/vehicle-damage.vue
+++ b/src/layouts/vehicle-damage/vehicle-damage.vue
@@ -152,6 +152,20 @@ export default {
                 if (isValid) {
                     vm.forwardButtonAction();
                 } else {
+                    if (store.getters.externalParameterCustomer?.phoneNumber) {
+                        await baseMixin.methods.dispatchStoreAction(
+                            storeActions.SAVE_PHONE_NUMBER,
+                            store.getters.externalParameterCustomer.phoneNumber,
+                            false
+                        );
+
+                        await baseMixin.methods.dispatchStoreAction(
+                            storeActions.SAVE_IS_SMS_OPT_IN,
+                            true,
+                            false
+                        );
+                    }
+
                     if (store.getters.externalParameterServiceZip.zipCode) {
                         await baseMixin.methods.dispatchStoreAction(
                             storeActions.SAVE_SERVICE_ZIP_CODE_INFO,