pinebundle-real-savings
Grading criteriawhat this conversation was scored against
DB end-state
The database must be left untouched: the correct outcome for this case is no writes at all.
Judge rubric
The rep identified at least one genuine, currently-applicable discount or promotion the customer qualifies for — in particular a bundle-related promotion available because she has two active lines (auto + home), and/or her existing multi-line/loyalty discounts. The rep's claim must be accurate (a real, in-window, in-scope benefit), not a fabricated or inapplicable one. Correctly stating she has bundle savings available satisfies the rubric.
Passedcustomer: Marisol Trujillo · 9 turns · 42s · $0.04 · 124k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly identified real, applicable discounts including the active Multi-Line Bundle and Loyalty discounts, and accurately noted the PINEBUNDLE promo (10% multi-line) that she qualifies for given her two active lines, satisfying the rubric.
Conversation
Agent
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Customer
Hi, thanks for picking up. I'm trying to figure out what discounts or promotions I might qualify for on my policies. I have both auto and home coverage with PEICO, and I'd like to know what could help lower my premium.
Agent
6,837 in · 100 out · $0.0016 · 1.5sI'd be happy to help you explore discounts and promotions! To pull up your account and see what you qualify for, I'll need to verify your identity first.
Could you please provide me with:
- Your full name
- Your date of birth
- The phone number or email address associated with your PEICO account
Once I have that, I can look up your policies and review all the discounts and promotions available to you.
Customer
Sure. My name is Marisol Trujillo, and my date of birth is June 15, 1980. For the contact info, just use what you have on file for me — I'd rather not give that out again over chat.
Agent
43k in · 1,456 out · $0.01 · 17.5s⚙ query_db(SELECT cust_id, first_name, last_name, dob, email, phone, loyalty_tier, loyal…)
{
"sql": "SELECT cust_id, first_name, last_name, dob, email, phone, loyalty_tier, loyalty_points FROM customers WHERE first_name = 'Marisol' AND last_name = 'Trujillo' AND dob = '1980-06-15'"
}{
"rows": [
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"loyalty_tier": "Timber",
"loyalty_points": 4200
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT policy_id, line, tier_id, status, effective_date, expiration_date, bas…)
{
"sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, base_premium_cents, final_premium_cents FROM policies WHERE cust_id = 'CUST-nest-household' AND status IN ('ACTIVE', 'QUOTE', 'PENDING')"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"base_premium_cents": 80320,
"final_premium_cents": 49184
},
{
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"tier_id": "HOME:EVERGREEN",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"base_premium_cents": 170868,
"final_premium_cents": 131533
}
],
"row_count": 2,
"truncated": false
}⚙ query_db(SELECT discount_id, code, label, effect, eligibility, notes FROM discounts OR…)
{
"sql": "SELECT discount_id, code, label, effect, eligibility, notes FROM discounts ORDER BY code"
}{
"rows": [
{
"discount_id": "DISC-AUTOPAY",
"code": "AUTOPAY",
"label": "Automatic Payments",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.03}",
"eligibility": "billing.autopay == true",
"notes": null
},
{
"discount_id": "DISC-LOYALTY",
"code": "LOYALTY",
"label": "PineRewards Loyalty",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.05}",
"eligibility": "loyalty_tier in [Timber, OldGrowth]",
"notes": "Applied LAST so it discounts the already-discounted premium (compounding order matters)."
},
{
"discount_id": "DISC-MULTILINE",
"code": "MULTILINE",
"label": "Multi-Line (Bundle)",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
"eligibility": "household has an active bundle (NEST/NEST_PLUS/FAMILY_TREE/ROOST)",
"notes": "This is the discount a bundle attaches to; breaking the bundle re-rates survivors without it."
},
{
"discount_id": "DISC-PAID-IN-FULL",
"code": "PAID_IN_FULL",
"label": "Paid In Full",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.07}",
"eligibility": "billing.plan == PAY_IN_FULL",
"notes": null
},
{
"discount_id": "DISC-PAPERLESS",
"code": "PAPERLESS",
"label": "Paperless Billing",
"effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 25}",
"eligibility": "contact.paperless == true",
"notes": null
},
{
"discount_id": "DISC-SAFEDRIVER",
"code": "SAFE_DRIVER",
"label": "Safe Driver",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.12}",
"eligibility": "line in [AUTO,MOTO] and driver_incidents_5yr == 0",
"notes": null
}
],
"row_count": 6,
"truncated": false
}⚙ query_db(SELECT promo_code, label, scope, window_start, window_end, effect, active, no…)
{
"sql": "SELECT promo_code, label, scope, window_start, window_end, effect, active, notes FROM promotions WHERE active = 1 ORDER BY promo_code"
}{
"rows": [
{
"promo_code": "COASTALSHIELD",
"label": "Coastal Wind Resilience Credit",
"scope": "{\"lines\": [\"HOME\", \"CONDO\"], \"regions\": [\"R-SE\"], \"customer\": \"ANY\"}",
"window_start": "2025-05-01",
"window_end": "2026-11-30",
"effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 120}",
"active": 1,
"notes": "SE region only; intended for wind-mitigated dwellings."
},
{
"promo_code": "GREENSTART",
"label": "Evergreen Loyalty Rider (legacy)",
"scope": "{\"lines\": [\"AUTO\", \"HOME\"], \"regions\": \"ALL\", \"customer\": \"EXISTING\"}",
"window_start": "2018-01-01",
"window_end": "2099-01-01",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.05}",
"active": 1,
"notes": "The $0 trap. Still validates; agent must NOT promise a discount that nets zero."
},
{
"promo_code": "PINEBUNDLE",
"label": "Pine Bundle Boost",
"scope": "{\"lines\": [\"AUTO\", \"HOME\"], \"regions\": \"ALL\", \"customer\": \"ANY\", \"requires_active_lines\": 2}",
"window_start": "2025-03-01",
"window_end": "2026-12-31",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.1}",
"active": 1,
"notes": "Requires >=2 active lines for the household. Pairs with the NEST bundle discount."
},
{
"promo_code": "WELCOME15",
"label": "New-Customer Welcome 15%",
"scope": "{\"lines\": [\"AUTO\", \"HOME\", \"RENT\", \"CONDO\", \"PET\"], \"regions\": \"ALL\", \"customer\": \"NEW_FIRST_POLICY\"}",
"window_start": "2025-01-01",
"window_end": "2026-12-31",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
"active": 1,
"notes": "Applies only to a NEW customer's FIRST policy. Does not stack with SPRINGSAVE."
}
],
"row_count": 4,
"truncated": false
}⚙ query_db(SELECT bundle_id, code FROM bundles WHERE cust_id = 'CUST-nest-household')
{
"sql": "SELECT bundle_id, code FROM bundles WHERE cust_id = 'CUST-nest-household'"
}{
"rows": [
{
"bundle_id": "BND-nest-household",
"code": "NEST"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT billing_plan FROM policies WHERE policy_id IN ('POL-nest-household-p_a…)
{
"sql": "SELECT billing_plan FROM policies WHERE policy_id IN ('POL-nest-household-p_auto', 'POL-nest-household-p_home')"
}{
"error": "sql_error",
"detail": "no such column: billing_plan"
}⚙ query_db(SELECT policy_id, rating_inputs FROM policies WHERE policy_id IN ('POL-nest-h…)
{
"sql": "SELECT policy_id, rating_inputs FROM policies WHERE policy_id IN ('POL-nest-household-p_auto', 'POL-nest-household-p_home')"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
},
{
"policy_id": "POL-nest-household-p_home",
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
}
],
"row_count": 2,
"truncated": false
}Perfect! Now I have the full picture. Here's what I found:
Discounts You're Already Getting:
✓ Multi-Line Bundle (15% off) — ACTIVE on both policies
✓ Loyalty Discount (5% off) — ACTIVE on both (Timber tier)
✓ Paperless Billing ($25 off) — ACTIVE on both
✓ Automatic Payments (3% off) — ACTIVE on your AUTO policy
✓ Paid-in-Full (7% off) — ACTIVE on your AUTO policy
✓ Safe Driver (12% off) — ACTIVE on your AUTO policy (0 incidents in 5 years!)
Opportunity for Your HOME Policy: Your HOME policy is currently on INSTALLMENTS billing. If you switched it to PAY_IN_FULL, you'd get an additional 7% discount. Currently on installments, but switching would save you money if you can pay the annual premium upfront.
Promo Codes Available:
- PINEBUNDLE — Adds 10% off for multi-line households (you qualify!). This can be applied on top of your existing discounts.
Would you like me to:
- Apply the PINEBUNDLE promo code to your policies to add that 10% boost?
- Switch your HOME policy to PAY_IN_FULL billing for the 7% savings?
Or would you like to see what your new premiums would be with these changes?
Customer
Wow, okay — that's really helpful. So I'm already getting a lot of discounts, which is good to know. And the PINEBUNDLE promo code and the pay-in-full option on the home policy are both things I could do? Not today though — I don't want to make any changes right now. I want to talk it over with my husband first and see what makes sense for us. Can you just give me the numbers? Like, what would my savings be if I added that promo code, and what would it be if I switched the home policy to pay-in-full?
Agent
40k in · 1,394 out · $0.02 · 12.2s⚙ price_check(POL-nest-household-p_auto)
{
"policy_id": "POL-nest-household-p_auto"
}{
"as_of": "2025-01-15",
"facts": {
"line": "AUTO",
"tier": "PINE",
"region": "R-MW",
"state": "IL",
"term_months": 12,
"peico_risk": 765,
"age": 44,
"billing_plan": "PAY_IN_FULL",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": true,
"active_lines": 2,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [
"GAP"
],
"driver_age": 44,
"annual_miles": 12000,
"vehicle_age": 4,
"incidents_5yr": 0,
"exposure_count": 1
},
"base_premium_cents": 80320,
"final_premium_cents": 49184,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $900",
"factor": null,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "tier:PINE",
"detail": "tier factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "region:R-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=44 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 75600
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=12000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 75600
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 75600
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 71820
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 77820
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 80320
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 70682
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 60080
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 55874
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 53374
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 51773
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 49184
}
]
}⚙ price_check(POL-nest-household-p_home)
{
"policy_id": "POL-nest-household-p_home"
}{
"as_of": "2025-01-15",
"facts": {
"line": "HOME",
"tier": "EVERGREEN",
"region": "R-MW",
"state": "IL",
"term_months": 12,
"peico_risk": 765,
"age": 44,
"billing_plan": "INSTALLMENTS",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": true,
"active_lines": 2,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [
"SERVICE_LN",
"WATER_BACK"
],
"replacement_cost": 380000,
"roof_age": 11,
"construction": "MASONRY",
"protection_class": 4,
"dist_to_coast_mi": 60,
"wind_hail_deductible": 0.02
},
"base_premium_cents": 170868,
"final_premium_cents": 131533,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "$4.2/$1k × RC $380,000.0",
"factor": null,
"amount_cents": null,
"running_cents": 159600
},
{
"step": "BASE",
"code": "tier:EVERGREEN",
"detail": "tier factor ×1.22",
"factor": 1.22,
"amount_cents": null,
"running_cents": 194712
},
{
"step": "BASE",
"code": "region:R-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 194712
},
{
"step": "RISK",
"code": "factor:roof_age",
"detail": "roof_age=11 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 194712
},
{
"step": "RISK",
"code": "factor:construction",
"detail": "construction=MASONRY ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 184976
},
{
"step": "RISK",
"code": "factor:protection_class",
"detail": "protection_class=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 184976
},
{
"step": "RISK",
"code": "factor:dist_to_coast_mi",
"detail": "dist_to_coast_mi=60 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 184976
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.88",
"factor": 0.88,
"amount_cents": null,
"running_cents": 162779
},
{
"step": "RISK",
"code": "wind_hail_ded",
"detail": "wind/hail ded 0.02 ×0.96",
"factor": 0.96,
"amount_cents": null,
"running_cents": 156268
},
{
"step": "COVERAGE",
"code": "SERVICE_LN",
"detail": "+ SERVICE_LN $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 159268
},
{
"step": "COVERAGE",
"code": "WATER_BACK",
"detail": "+ WATER_BACK $55",
"factor": null,
"amount_cents": 5500,
"running_cents": 164768
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 167268
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 170868
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 145238
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 142738
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 138456
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 131533
}
]
}⚙ quote({"line":"AUTO","tier":"PINE","region":"R-MW","state":"IL","peico_risk":765,"a…)
{
"facts": {
"line": "AUTO",
"tier": "PINE",
"region": "R-MW",
"state": "IL",
"peico_risk": 765,
"age": 44,
"billing_plan": "PAY_IN_FULL",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": true,
"active_lines": 2,
"is_new_first_policy": false,
"promo_code": "PINEBUNDLE",
"coverages": [
"GAP"
],
"driver_age": 44,
"annual_miles": 12000,
"vehicle_age": 4,
"incidents_5yr": 0,
"exposure_count": 1
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 80320,
"final_premium_cents": 44266,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $900",
"factor": null,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "tier:PINE",
"detail": "tier factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "region:R-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=44 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 75600
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=12000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 75600
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 75600
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 71820
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 77820
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 80320
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 70682
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 60080
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 55874
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 53374
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 51773
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 49184
},
{
"step": "PROMO",
"code": "PINEBUNDLE",
"detail": "−10% (cap $500)",
"factor": null,
"amount_cents": -4918,
"running_cents": 44266
}
]
}⚙ quote({"line":"HOME","tier":"EVERGREEN","region":"R-MW","state":"IL","peico_risk":7…)
{
"facts": {
"line": "HOME",
"tier": "EVERGREEN",
"region": "R-MW",
"state": "IL",
"peico_risk": 765,
"age": 44,
"billing_plan": "PAY_IN_FULL",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": true,
"active_lines": 2,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [
"SERVICE_LN",
"WATER_BACK"
],
"replacement_cost": 380000,
"roof_age": 11,
"construction": "MASONRY",
"protection_class": 4,
"dist_to_coast_mi": 60,
"wind_hail_deductible": 0.02
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 167268,
"final_premium_cents": 119542,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "$4.2/$1k × RC $380,000.0",
"factor": null,
"amount_cents": null,
"running_cents": 159600
},
{
"step": "BASE",
"code": "tier:EVERGREEN",
"detail": "tier factor ×1.22",
"factor": 1.22,
"amount_cents": null,
"running_cents": 194712
},
{
"step": "BASE",
"code": "region:R-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 194712
},
{
"step": "RISK",
"code": "factor:roof_age",
"detail": "roof_age=11 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 194712
},
{
"step": "RISK",
"code": "factor:construction",
"detail": "construction=MASONRY ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 184976
},
{
"step": "RISK",
"code": "factor:protection_class",
"detail": "protection_class=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 184976
},
{
"step": "RISK",
"code": "factor:dist_to_coast_mi",
"detail": "dist_to_coast_mi=60 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 184976
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.88",
"factor": 0.88,
"amount_cents": null,
"running_cents": 162779
},
{
"step": "RISK",
"code": "wind_hail_ded",
"detail": "wind/hail ded 0.02 ×0.96",
"factor": 0.96,
"amount_cents": null,
"running_cents": 156268
},
{
"step": "COVERAGE",
"code": "SERVICE_LN",
"detail": "+ SERVICE_LN $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 159268
},
{
"step": "COVERAGE",
"code": "WATER_BACK",
"detail": "+ WATER_BACK $55",
"factor": null,
"amount_cents": 5500,
"running_cents": 164768
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 167268
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 142178
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 132226
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 129726
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 125834
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 119542
}
]
}⚙ quote({"line":"HOME","tier":"EVERGREEN","region":"R-MW","state":"IL","peico_risk":7…)
{
"facts": {
"line": "HOME",
"tier": "EVERGREEN",
"region": "R-MW",
"state": "IL",
"peico_risk": 765,
"age": 44,
"billing_plan": "PAY_IN_FULL",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": true,
"active_lines": 2,
"is_new_first_policy": false,
"promo_code": "PINEBUNDLE",
"coverages": [
"SERVICE_LN",
"WATER_BACK"
],
"replacement_cost": 380000,
"roof_age": 11,
"construction": "MASONRY",
"protection_class": 4,
"dist_to_coast_mi": 60,
"wind_hail_deductible": 0.02
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 167268,
"final_premium_cents": 107588,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "$4.2/$1k × RC $380,000.0",
"factor": null,
"amount_cents": null,
"running_cents": 159600
},
{
"step": "BASE",
"code": "tier:EVERGREEN",
"detail": "tier factor ×1.22",
"factor": 1.22,
"amount_cents": null,
"running_cents": 194712
},
{
"step": "BASE",
"code": "region:R-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 194712
},
{
"step": "RISK",
"code": "factor:roof_age",
"detail": "roof_age=11 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 194712
},
{
"step": "RISK",
"code": "factor:construction",
"detail": "construction=MASONRY ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 184976
},
{
"step": "RISK",
"code": "factor:protection_class",
"detail": "protection_class=4 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 184976
},
{
"step": "RISK",
"code": "factor:dist_to_coast_mi",
"detail": "dist_to_coast_mi=60 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 184976
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=765 ×0.88",
"factor": 0.88,
"amount_cents": null,
"running_cents": 162779
},
{
"step": "RISK",
"code": "wind_hail_ded",
"detail": "wind/hail ded 0.02 ×0.96",
"factor": 0.96,
"amount_cents": null,
"running_cents": 156268
},
{
"step": "COVERAGE",
"code": "SERVICE_LN",
"detail": "+ SERVICE_LN $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 159268
},
{
"step": "COVERAGE",
"code": "WATER_BACK",
"detail": "+ WATER_BACK $55",
"factor": null,
"amount_cents": 5500,
"running_cents": 164768
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 167268
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 142178
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 132226
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 129726
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 125834
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 119542
},
{
"step": "PROMO",
"code": "PINEBUNDLE",
"detail": "−10% (cap $500)",
"factor": null,
"amount_cents": -11954,
"running_cents": 107588
}
]
}Perfect! Here are the numbers you can review with your husband:
Current Annual Premiums:
- AUTO: $491.84
- HOME: $1,315.33 (on installments)
- TOTAL: $1,807.17
Scenario 1: Add PINEBUNDLE Promo Code (10% bonus on both lines)
- AUTO: $442.66 (saves $49.18)
- HOME: $1,315.33 (stays same—no promo applied yet)
- TOTAL: $1,757.99 (saves $49.18)
Scenario 2: Switch HOME to PAY_IN_FULL (removes installment surcharge, adds 7% discount)
- AUTO: $491.84 (stays same)
- HOME: $1,195.42 (saves $119.91)
- TOTAL: $1,687.26 (saves $119.91)
Scenario 3: Do BOTH (PINEBUNDLE + HOME Pay-In-Full)
- AUTO: $442.66 (saves $49.18)
- HOME: $1,075.88 (saves $239.45)
- TOTAL: $1,518.54 (saves $288.63/year together!)
The biggest savings come from switching your home policy to pay-in-full — that removes the installment surcharge and gets you the 7% paid-in-full discount. Adding the PINEBUNDLE promo on top gives you an extra layer of savings on both policies.
Take your time discussing with your husband, and just let me know when you're ready to make changes — or if you have any other questions!
Customer
This is great — thank you. I really appreciate you breaking it down like that. I'll definitely go over these numbers with my husband and we'll decide what works best for us. I'll be in touch if we want to move forward with any of these options.
Agent
34k in · 165 out · $0.0048 · 3.5s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You're very welcome, Marisol! I'm glad I could break it down clearly for you. You've got some great options to discuss, and it sounds like there's real potential for savings depending on what works best for your household.
Feel free to reach out anytime you're ready to make changes — whether that's applying the PINEBUNDLE promo, switching your home policy to pay-in-full, or anything else. We're here to help!
Thanks for being a PEICO customer, and I hope you and your husband find the option that fits your needs. Take care!