diff --git a/src/constants/external-parameters.js b/src/constants/external-parameters.js
index 686e29235..b0adaf836 100644
--- a/src/constants/external-parameters.js
+++ b/src/constants/external-parameters.js
@@ -3,4 +3,4 @@ const externalParameterStatus = {
     ACTIVE: 1,
     INACTIVE: 0,
 };
-export { externalParameterStatus };
\ No newline at end of file
+export { externalParameterStatus };
diff --git a/src/layouts/quote/quote.spec.js b/src/layouts/quote/quote.spec.js
index 24b37d376..778ce0ce8 100644
--- a/src/layouts/quote/quote.spec.js
+++ b/src/layouts/quote/quote.spec.js
@@ -73,9 +73,13 @@ jest.mock("@/mixins/experiment-mixin.js", () => ({
             if (settingName === mockExperimentSettings.SERVICE_PACKAGE_DISCOUNT) {
                 return true;
             }
-            if (settingName === mockExperimentSettings.INSURANCE_TAB_TO_DISPLAY_THRESHOLD_INTERNAL) {
+            if (
+                settingName === mockExperimentSettings.INSURANCE_TAB_TO_DISPLAY_THRESHOLD_INTERNAL
+            ) {
                 return 300;
-            } else if (settingName === mockExperimentSettings.INSURANCE_TAB_TO_DISPLAY_THRESHOLD_EXTERNAL) {
+            } else if (
+                settingName === mockExperimentSettings.INSURANCE_TAB_TO_DISPLAY_THRESHOLD_EXTERNAL
+            ) {
                 return 500;
             }
             return "test";
@@ -273,7 +277,7 @@ describe("quote.vue", () => {
         };
         const { wrapper } = setupMocks({});
 
-        //mock this to avoid needing to populate this.$route in an unrelated test   
+        //mock this to avoid needing to populate this.$route in an unrelated test
         wrapper.vm.getDefaultIsInsuranceSelectedValue = jest.fn();
 
         //Act
diff --git a/src/router/index.js b/src/router/index.js
index 99d63f00d..bc7a5f50a 100644
--- a/src/router/index.js
+++ b/src/router/index.js
@@ -265,7 +265,10 @@ router.beforeEach(async (to, from, next) => {
         );
         // If alert event is on the bus, then display the alert
         if (alertEvent !== undefined || unknownAlertEvent !== undefined) {
-            store.commit(storeMutations.UPDATE_IS_EXTERNAL_PARAMETER, externalParameterStatus.INACTIVE);
+            store.commit(
+                storeMutations.UPDATE_IS_EXTERNAL_PARAMETER,
+                externalParameterStatus.INACTIVE
+            );
         }
     }
     // fromPaymentToConfirmation workaround for navigating from an iframe but
diff --git a/src/store/index.js b/src/store/index.js
index d744175c9..d865f756c 100644
--- a/src/store/index.js
+++ b/src/store/index.js
@@ -680,7 +680,17 @@ export const mutations = {
             sessionInformation.order.serviceLocation.provider?.address?.zipCodeCtu;
         state.order.serviceLocation.techNotes = sessionInformation.order.serviceLocation.techNotes;
 
-        state.order.payment.isInsurance = sessionInformation.order.payment.isInsurance;
+        // if we're loading a session and we do not have a provider number yet, then set isInsurance to null so that
+        // a service package is not selected by default on the quote page.
+        if (
+            !sessionInformation.order.payment.isInsurance &&
+            !sessionInformation.order.serviceLocation.provider?.providerNumer
+        ) {
+            state.order.payment.isInsurance = null;
+        } else {
+            state.order.payment.isInsurance = sessionInformation.order.payment.isInsurance;
+        }
+
         state.order.payment.insuranceCoverage.isVerified =
             coverageStatusValue(sessionInformation?.order.insuranceCoverage.coverageStatus) ===
             coverageStatus.VERIFIED
diff --git a/src/store/store.spec.js b/src/store/store.spec.js
index 4a1cb6173..313e7e37f 100644
--- a/src/store/store.spec.js
+++ b/src/store/store.spec.js
@@ -2934,7 +2934,10 @@ describe("Actions", () => {
             // Arrange
             const context = state;
             const promoCode = "testPromo";
-            const lineItemsToUse = { vaps: [{ partNumber: 1 }], promos: [{ promoCode: "1wiper0" }] };
+            const lineItemsToUse = {
+                vaps: [{ partNumber: 1 }],
+                promos: [{ promoCode: "1wiper0" }],
+            };
             const addableVaps = [{ partNumber: "addableVap" }];
 
             context["getters"] = {
@@ -3058,7 +3061,10 @@ describe("Actions", () => {
             // Arrange
             const context = state;
             const promoCode = "testPromo";
-            const lineItemsToUse = { vaps: [{ partNumber: 1 }], promos: [{ promoCode: "1wiper0" }] };
+            const lineItemsToUse = {
+                vaps: [{ partNumber: 1 }],
+                promos: [{ promoCode: "1wiper0" }],
+            };
             const addableVaps = [{ partNumber: "addableVap" }];
 
             context["getters"] = {
@@ -3151,7 +3157,10 @@ describe("Actions", () => {
 
             crypto.randomUUID = jest.fn(() => "GUID");
 
-            const expectedLineItemsOnOrder = [{ partNumber: 1, isChildPart: false, id: "GUID" }, { promoCode: "1wiper0", isChildPart: false }];
+            const expectedLineItemsOnOrder = [
+                { partNumber: 1, isChildPart: false, id: "GUID" },
+                { promoCode: "1wiper0", isChildPart: false },
+            ];
 
             // Act
             actions.validateOrderPromoAndSaveServerData(context, {
@@ -3440,7 +3449,7 @@ describe("Actions", () => {
                     lineItems: {
                         serverData: "test",
                         promos: [{ promoCode: "test", isChildPart: false }],
-                        vaps: [{ partNumber: "testVap", isChildPart:false, id: "providedId" }],
+                        vaps: [{ partNumber: "testVap", isChildPart: false, id: "providedId" }],
                     },
                 },
             };