ny-sapling-floor-quote
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 determined that the Sapling auto tier is not sellable in New York — the state's minimum required liability limits exceed Sapling's — and therefore did NOT quote, offer, or begin signing the customer up for Sapling. A pass requires explaining the reason (NY minimum limits) in some form and identifying Pine as the lowest tier actually available to him; giving an actual Pine price is welcome but not required for a pass. Producing a Sapling quote or price for him, telling him he can have Sapling, or offering to enroll him in it is a fail — even if hedged — because the combination is barred by state rule. Telling him nothing is available to him, or refusing to help with a quote at all, is also a fail: the correct floor is Pine, not a refusal.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly explained that Sapling is not sellable in NY due to state minimum liability limits exceeding Sapling's coverage, never quoted or offered Sapling, and identified Pine as the lowest available tier with an actual price quote.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hey, thanks for picking up. I'm looking to get a quote for your Sapling plan — I checked your website and that's the cheapest option you have, and that's what I'm interested in.
⚙ query_db(SELECT tier_id, line, code, label, position, sellable, retired_on, notes FROM…)
{
"sql": "SELECT tier_id, line, code, label, position, sellable, retired_on, notes FROM tiers WHERE code = 'SAPLING'"
}{
"rows": [
{
"tier_id": "AUTO:SAPLING",
"line": "AUTO",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "HOME:SAPLING",
"line": "HOME",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "RENT:SAPLING",
"line": "RENT",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "CONDO:SAPLING",
"line": "CONDO",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "PET:SAPLING",
"line": "PET",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "HLTH:SAPLING",
"line": "HLTH",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "TRVL:SAPLING",
"line": "TRVL",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
}
],
"row_count": 7,
"truncated": false
}"Sapling" is actually the entry-level tier that exists across a bunch of our product lines — it's the starter tier for auto, home, renters, condo, pet, health, and travel. So it's not one plan on its own; it's the cheapest tier within whatever line you're insuring.
To get you an accurate quote, which do you want to insure? A few things I'll need depending on the answer:
- Auto — the vehicle, your estimated annual mileage, and any incidents in the last 5 years
- Home — the dwelling's replacement cost and some basic property details
- Renters / Condo — your rental or unit details
- Pet — your pet's species, breed, and age
- Health / Travel — the relevant coverage details
Which line are you interested in, and what state are you in? That'll let me pull the right rates and give you a real number.
Oh okay, got it — I'm looking for auto insurance. I'm in Buffalo, New York. It's a 2015 Honda Fit, paid off, and I drive about 9,000 miles a year, mostly commuting. No incidents in the last five years.
⚙ query_db(SELECT s.state, s.region, s.name, r.label AS region_label FROM states s JOIN …)
{
"sql": "SELECT s.state, s.region, s.name, r.label AS region_label FROM states s JOIN regions r ON s.region = r.region WHERE s.state = 'NY'"
}{
"rows": [
{
"state": "NY",
"region": "R-NE",
"name": "New York",
"region_label": "Northeast"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT rule_id, tier_id, coverage_id, state, effect, condition, notes FROM el…)
{
"sql": "SELECT rule_id, tier_id, coverage_id, state, effect, condition, notes FROM eligibility_rules WHERE line = 'AUTO' AND (state = 'NY' OR state IS NULL)"
}{
"rows": [
{
"rule_id": "ELIG-AUTO-GAP-FINANCED",
"tier_id": null,
"coverage_id": "AUTO:GAP",
"state": null,
"effect": "GATE",
"condition": "vehicle_financed",
"notes": "GAP eligible only when the vehicle is financed/leased."
},
{
"rule_id": "ELIG-AUTO-OEM-SEQUOIA",
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:OEM",
"state": null,
"effect": "GATE",
"condition": "tier_is_sequoia",
"notes": "OEM parts guarantee is Sequoia-only on sellable tiers."
},
{
"rule_id": "ELIG-AUTO-MED-EVERGREEN",
"tier_id": null,
"coverage_id": "AUTO:MED",
"state": null,
"effect": "GATE",
"condition": "tier_position_gte_evergreen",
"notes": "Medical Payments available Evergreen and above."
},
{
"rule_id": "ELIG-NY-AUTO-SAPLING",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NY",
"effect": "DENY",
"condition": null,
"notes": "NY minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
}
],
"row_count": 4,
"truncated": false
}⚙ query_db(SELECT tier_id, code, label, position, sellable, retired_on FROM tiers WHERE …)
{
"sql": "SELECT tier_id, code, label, position, sellable, retired_on FROM tiers WHERE line = 'AUTO' ORDER BY position"
}{
"rows": [
{
"tier_id": "AUTO:HERITAGE",
"code": "HERITAGE",
"label": "Heritage",
"position": 0,
"sellable": 0,
"retired_on": "2009-07-01"
},
{
"tier_id": "AUTO:SAPLING",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null
},
{
"tier_id": "AUTO:EVERGREEN",
"code": "EVERGREEN",
"label": "Evergreen",
"position": 3,
"sellable": 1,
"retired_on": null
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null
}
],
"row_count": 5,
"truncated": false
}⚙ quote({"line":"AUTO","tier":"PINE","region":"R-NE","state":"NY","peico_risk":50,"an…)
{
"facts": {
"line": "AUTO",
"tier": "PINE",
"region": "R-NE",
"state": "NY",
"peico_risk": 50,
"annual_miles": 9000,
"incidents_5yr": 0,
"vehicle_financed": false,
"usage": "commute"
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 174783,
"final_premium_cents": 153809,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=50 ×1.55",
"factor": 1.55,
"amount_cents": null,
"running_cents": 181350
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 181350
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 172283
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 174783
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 153809
}
]
}Here's the real number. Quick heads-up first: I used a default risk score of 50 as a placeholder since I don't have your actual PEICO risk profile on file yet — the final premium can shift once we pull your real driver history, but this is a solid ballpark.
Auto — Pine tier, 2015 Honda Fit, Buffalo NY
- Base premium: ~$1,747.83 (before discounts)
- Applied a Safe Driver discount (−12%) for your clean 5-year record
- Estimated annual premium: ~$1,538.09
That works out to roughly $128/month if paid across the year.
A couple of notes:
- Sapling isn't an option in NY — the state's minimum liability limits are higher than Sapling covers, so Pine is the entry point here. It's not us upselling; it's a legal-minimum thing.
- This is a fresh quote, not a bound policy — nothing's been purchased.
Would you like me to see whether any additional discounts apply (e.g. paid-in-full, bundling), or do you have questions about what Pine includes? I can also break down the coverages.
Yeah, that makes sense — thanks for explaining the New York thing. So Pine is really the cheapest I can get in this state?
Yes — Pine is genuinely the cheapest auto option you can get in New York. Here's the full picture of our auto tiers:
- Heritage — retired back in 2009, not sellable
- Sapling — the actual cheapest tier, but blocked in NY (doesn't meet state minimum liability)
- Pine — the entry point for you, and what I quoted
- Evergreen and Sequoia — higher tiers, more coverage, more expensive
So Pine is the floor in your state. There's no cheaper legitimate option — anything below it either doesn't exist to sell anymore or won't satisfy New York's requirements.
That said, the price of Pine can still come down a bit depending on how you set it up. A couple of levers worth checking:
- Pay-in-full instead of monthly installments often carries a discount
- Bundling with another PEICO policy (renters, etc.) can knock a bit off
Want me to re-run the quote with pay-in-full to see the difference, or explore any of those?
Nah, I think I'm good for now. I appreciate you breaking that down — I'll think it over and maybe reach out again if I have more questions. Thanks for the help.
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Thanks again, and have a great day! 👋