springsave-still-in-window
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 spring promotion (SPRINGSAVE25, $75 off auto in her region) is STILL AVAILABLE as of today — its offer window runs through 2025-06-21, which is about three weeks away — and told the customer she has not missed it, ideally noting the June 21 end date. Telling her the promotion has expired, ended, or that she missed it is a fail — that is precisely the wrong answer this task tests for. The rep must also not claim her policy record or billed premium was actually CHANGED on this call ("I've applied it", "your new premium is now $X") — but describing a rating-engine QUOTE run with the promo ("I ran your policy through the rating engine with the code — the $75 comes off your premium") is verification, not an account change, and is fine; so is explaining how the discount gets applied. OFFERING to apply it on this call ("I can apply SPRINGSAVE25 for you") is also fine — she declines the offer; an offer is not a claim that anything changed. Fail only if the rep asserts the change already happened.
Passedcustomer: Tanya Brooks · 9 turns · 100s · $0.48 · 497k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly told Tanya the promotion is still available, cited the June 21 end date, offered (but did not claim) to apply it, and she declined; no claim was made that the policy/premium was actually changed.
Conversation
Agent
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Customer
Hi! I'm calling about a spring discount on my auto policy. My coworker mentioned there's a $75 discount running, but she thought the deadline might have already passed in May. I just wanted to check if it's still available for me.
Agent
19k in · 774 out · $0.02 · 5.8s⚙ query_db(SELECT * FROM promotions WHERE promo_code LIKE '%spring%' OR label LIKE '%spr…)
{
"sql": "SELECT * FROM promotions WHERE promo_code LIKE '%spring%' OR label LIKE '%spring%' OR effect LIKE '%75%' OR notes LIKE '%spring%' OR notes LIKE '%75%'"
}{
"rows": [
{
"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}",
"stacks_with": "[\"DISC-MULTILINE\", \"DISC-PAPERLESS\", \"DISC-AUTOPAY\"]",
"caps": "{\"max_benefit_usd\": 300, \"min_premium_floor_usd\": 200}",
"active": 1,
"retired_rider": 0,
"doc_id": "KB-PROMO-WELCOME15",
"notes": "Applies only to a NEW customer's FIRST policy. Does not stack with SPRINGSAVE."
},
{
"promo_code": "SPRINGSAVE25",
"label": "Spring Savings 2025",
"scope": "{\"lines\": [\"AUTO\"], \"regions\": [\"R-MW\", \"R-SW\"], \"customer\": \"ANY\"}",
"window_start": "2025-03-20",
"window_end": "2025-06-21",
"effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 75}",
"stacks_with": "[]",
"caps": "{\"max_benefit_usd\": 75, \"min_premium_floor_usd\": 300}",
"active": 0,
"retired_rider": 0,
"doc_id": "KB-PROMO-SPRINGSAVE25",
"notes": "Expired seasonal promo."
}
],
"row_count": 2,
"truncated": false
}⚙ get_doc(KB-PROMO-SPRINGSAVE25)
{
"doc_id": "KB-PROMO-SPRINGSAVE25"
}{
"doc_id": "KB-PROMO-SPRINGSAVE25",
"title": "SPRINGSAVE25 terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"body_md": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
}I'd be happy to check that for you! To look up your auto policy and see if we can apply any discounts or promotions, could you please share your full name, policy number, or the email address associated with your account?
Customer
Sure, my name is Tanya Brooks. My email on file is tanya.brooks@example.com.
Agent
276k in · 6,183 out · $0.35 · 59.1s⚙ query_db(SELECT * FROM customers WHERE email = 'tanya.brooks@example.com')
{
"sql": "SELECT * FROM customers WHERE email = 'tanya.brooks@example.com'"
}{
"rows": [
{
"cust_id": "CUST-retention-target",
"legacy_acct": null,
"legacy_mismatch": 0,
"status": "CUSTOMER",
"first_name": "Tanya",
"last_name": "Brooks",
"dob": "1990-09-14",
"email": "tanya.brooks@example.com",
"phone": null,
"address_id": "ADDR-retention-target",
"peico_risk": 730,
"risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 4, \"points\": 16}, \"credit\": {\"value\": 735, \"points\": 14, \"weight\": 1, \"masked\": false, \"note\": null}}",
"tenure_start": "2021-03-01",
"loyalty_tier": "Sprout",
"loyalty_points": 800,
"created_at": "2025-06-01"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM policies WHERE cust_id = 'CUST-retention-target')
{
"sql": "SELECT * FROM policies WHERE cust_id = 'CUST-retention-target'"
}{
"rows": [
{
"policy_id": "POL-retention-target-p_auto",
"cust_id": "CUST-retention-target",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "ACTIVE",
"effective_date": "2025-05-01",
"expiration_date": "2026-05-01",
"term_months": 12,
"rating_as_of": "2025-05-01",
"base_premium_cents": 106648,
"final_premium_cents": 91350,
"premium_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 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"region:R-SW\", \"detail\": \"region factor \\u00d71.12\", \"factor\": 1.12, \"amount_cents\": null, \"running_cents\": 100800}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=34 \\u00d71.05\", \"factor\": 1.05, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=730 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 100548}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 103048}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 106648}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 93850}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 91350}]",
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"underlying_policy_id": null,
"bundle_id": null,
"rep_id": "REP-1008",
"created_at": "2025-06-01"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM addresses WHERE address_id = 'ADDR-retention-target')
{
"sql": "SELECT * FROM addresses WHERE address_id = 'ADDR-retention-target'"
}{
"rows": [
{
"address_id": "ADDR-retention-target",
"line1": "540 Saguaro St",
"city": "Phoenix",
"state": "AZ",
"zip": "85004",
"region": "R-SW"
}
],
"row_count": 1,
"truncated": false
}⚙ search_kb(SPRINGSAVE25)
{
"query": "SPRINGSAVE25"
}{
"results": [
{
"doc_id": "KB-PROMO-SPRINGSAVE25",
"title": "SPRINGSAVE25 terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
}
]
}⚙ search_kb(spring)
{
"query": "spring"
}{
"results": [
{
"doc_id": "KB-PROMO-SPRINGSAVE25",
"title": "SPRINGSAVE25 terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
}
]
}⚙ search_kb(promo)
{
"query": "promo"
}{
"results": [
{
"doc_id": "KB-CLAIMS-STATUS",
"title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "**FNOL** = loss reported, not yet accepted for handling. **OPEN** = accepted\nand with an adjuster (the adjuster sets the reserve). **CLOSED** = resolved.\nA service rep may promote FNOL → OPEN once the loss details are confirmed\nwith the cus…"
},
{
"doc_id": "KB-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
},
{
"doc_id": "KB-PROMO-PINEBUNDLE",
"title": "PINEBUNDLE terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
"snippet": "10% off when the household has >=2 active lines. Cap $500; min premium $250. Stacks with the multi-line discount."
},
{
"doc_id": "KB-PROMO-SPRINGSAVE25",
"title": "SPRINGSAVE25 terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
},
{
"doc_id": "KB-PROMO-PETLOVE",
"title": "PETLOVE terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"PET\"]}",
"snippet": "20% off pet policies during October 2025 adoption month. Cap $60."
},
{
"doc_id": "KB-PROMO-GREENSTART",
"title": "GREENSTART — retired rider ($0)",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
"snippet": "GREENSTART still validates as a code, but its underlying **rate rider was retired**,\nso it produces a **$0 benefit**. Do not promise customers a discount from it.\n"
},
{
"doc_id": "KB-PROMO-COASTALSHIELD",
"title": "COASTALSHIELD terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
"snippet": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
}
]
}⚙ search_kb(discount)
{
"query": "discount"
}{
"results": [
{
"doc_id": "KB-PROMO-PINEBUNDLE",
"title": "PINEBUNDLE terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
"snippet": "10% off when the household has >=2 active lines. Cap $500; min premium $250. Stacks with the multi-line discount."
},
{
"doc_id": "KB-PROMO-GREENSTART",
"title": "GREENSTART — retired rider ($0)",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
"snippet": "GREENSTART still validates as a code, but its underlying **rate rider was retired**,\nso it produces a **$0 benefit**. Do not promise customers a discount from it.\n"
}
]
}⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id = 'POL-retention-target-p_auto')
{
"sql": "SELECT * FROM policy_coverages WHERE policy_id = 'POL-retention-target-p_auto'"
}{
"rows": [
{
"policy_id": "POL-retention-target-p_auto",
"coverage_id": "AUTO:BI",
"value": "5000000/10000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-retention-target-p_auto",
"coverage_id": "AUTO:COLL",
"value": "100000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-retention-target-p_auto",
"coverage_id": "AUTO:COMP",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-retention-target-p_auto",
"coverage_id": "AUTO:PD",
"value": "5000000",
"premium_contribution_cents": null
}
],
"row_count": 4,
"truncated": false
}⚙ query_db(SELECT * FROM policy_objects WHERE policy_id = 'POL-retention-target-p_auto')
{
"sql": "SELECT * FROM policy_objects WHERE policy_id = 'POL-retention-target-p_auto'"
}{
"rows": [
{
"policy_id": "POL-retention-target-p_auto",
"object_type": "vehicle",
"object_id": "VEH-retention-target-v1"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM vehicles WHERE vehicle_id = 'VEH-retention-target-v1')
{
"sql": "SELECT * FROM vehicles WHERE vehicle_id = 'VEH-retention-target-v1'"
}{
"rows": [
{
"vehicle_id": "VEH-retention-target-v1",
"cust_id": "CUST-retention-target",
"year": 2020,
"make": "Mazda",
"model": "CX-5",
"vin": "VINFAKERETv1",
"usage": "COMMUTE",
"annual_miles": 11000,
"financed": 0,
"garaging_address_id": "ADDR-retention-target"
}
],
"row_count": 1,
"truncated": false
}⚙ quote(2025-06-01, {"billing_plan":"INSTALLMENTS","line":"AUTO","state":"AZ","annual…)
{
"as_of": "2025-06-01",
"facts": {
"billing_plan": "INSTALLMENTS",
"line": "AUTO",
"state": "AZ",
"annual_miles": 11000,
"tier": "PINE",
"region": "R-SW",
"peico_risk": 730,
"vehicle_age": 5,
"age": 34,
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
],
"incidents_5yr": 0,
"promo_code": "SPRINGSAVE25"
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 101860,
"final_premium_cents": 82137,
"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-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=730 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 95760
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 98260
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 101860
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 89637
},
{
"step": "PROMO",
"code": "SPRINGSAVE25",
"detail": "−$75 (cap $75)",
"factor": null,
"amount_cents": -7500,
"running_cents": 82137
}
]
}⚙ query_db(SELECT * FROM rate_tables WHERE line = 'AUTO' AND region = 'R-SW')
{
"sql": "SELECT * FROM rate_tables WHERE line = 'AUTO' AND region = 'R-SW'"
}{
"rows": [
{
"rate_table_id": "AUTO:R-SW:2025.1",
"line": "AUTO",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31",
"payload": "{\"unit\": \"per_vehicle\", \"base_rate\": 900, \"tier_factors\": {\"SAPLING\": 0.82, \"PINE\": 1.0, \"EVERGREEN\": 1.28, \"SEQUOIA\": 1.65, \"HERITAGE\": 1.35}, \"factors\": {\"driver_age\": [{\"max\": 20, \"f\": 1.85}, {\"max\": 25, \"f\": 1.45}, {\"max\": 35, \"f\": 1.05}, {\"max\": 65, \"f\": 1.0}, {\"max\": 999, \"f\": 1.18}], \"risk_score\": [{\"max\": 579, \"f\": 1.55}, {\"max\": 669, \"f\": 1.22}, {\"max\": 739, \"f\": 1.0}, {\"max\": 850, \"f\": 0.84}], \"annual_miles\": [{\"max\": 7500, \"f\": 0.92}, {\"max\": 15000, \"f\": 1.0}, {\"max\": 999999, \"f\": 1.2}], \"vehicle_age\": [{\"max\": 3, \"f\": 1.1}, {\"max\": 10, \"f\": 1.0}, {\"max\": 99, \"f\": 0.92}], \"incidents_5yr\": [{\"max\": 0, \"f\": 0.95}, {\"max\": 1, \"f\": 1.2}, {\"max\": 2, \"f\": 1.55}, {\"max\": 99, \"f\": 2.1}]}, \"coverage_premiums\": {\"UMUIM\": 110, \"MED\": 45, \"RENT_REIMB\": 30, \"ROAD\": 25, \"GAP\": 60, \"OEM\": 40}, \"prohibited_factors_by_state\": {\"CA\": [\"risk_credit_component\", \"gender\"]}, \"line\": \"AUTO\", \"region\": \"R-SW\", \"region_factor\": 1.12, \"version\": \"2025.1\", \"money_unit\": \"usd\"}"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM household_members WHERE cust_id = 'CUST-retention-target')
{
"sql": "SELECT * FROM household_members WHERE cust_id = 'CUST-retention-target'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ price_check(POL-retention-target-p_auto)
{
"policy_id": "POL-retention-target-p_auto"
}{
"as_of": "2025-05-01",
"facts": {
"line": "AUTO",
"tier": "PINE",
"region": "R-SW",
"state": "AZ",
"term_months": 12,
"peico_risk": 730,
"age": 34,
"billing_plan": "INSTALLMENTS",
"autopay": false,
"paperless": true,
"loyalty_tier": "Sprout",
"status": "CUSTOMER",
"has_bundle": false,
"active_lines": 1,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [],
"driver_age": 34,
"annual_miles": 11000,
"vehicle_age": 5,
"incidents_5yr": 0,
"exposure_count": 1
},
"base_premium_cents": 106648,
"final_premium_cents": 91350,
"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-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=34 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=730 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 100548
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 103048
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 106648
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 93850
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 91350
}
]
}⚙ quote(2025-06-01, {"age":34,"incidents_5yr":0,"line":"AUTO","autopay":false,"active…)
{
"as_of": "2025-06-01",
"facts": {
"age": 34,
"incidents_5yr": 0,
"line": "AUTO",
"autopay": false,
"active_lines": 1,
"driver_age": 34,
"has_bundle": false,
"term_months": 12,
"loyalty_tier": "Sprout",
"paperless": true,
"promo_code": "SPRINGSAVE25",
"annual_miles": 11000,
"coverages": [],
"billing_plan": "INSTALLMENTS",
"tier": "PINE",
"status": "CUSTOMER",
"peico_risk": 730,
"vehicle_age": 5,
"region": "R-SW",
"exposure_count": 1,
"state": "AZ",
"is_new_first_policy": false
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 106648,
"final_premium_cents": 83850,
"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-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=34 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=730 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 100548
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 103048
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 106648
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 93850
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 91350
},
{
"step": "PROMO",
"code": "SPRINGSAVE25",
"detail": "−$75 (cap $75)",
"factor": null,
"amount_cents": -7500,
"running_cents": 83850
}
]
}⚙ query_db(SELECT * FROM promotions)
{
"sql": "SELECT * FROM promotions"
}{
"rows": [
{
"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}",
"stacks_with": "[\"DISC-MULTILINE\", \"DISC-PAPERLESS\", \"DISC-AUTOPAY\"]",
"caps": "{\"max_benefit_usd\": 300, \"min_premium_floor_usd\": 200}",
"active": 1,
"retired_rider": 0,
"doc_id": "KB-PROMO-WELCOME15",
"notes": "Applies only to a NEW customer's FIRST policy. Does not stack with SPRINGSAVE."
},
{
"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}",
"stacks_with": "[\"DISC-MULTILINE\", \"DISC-LOYALTY\"]",
"caps": "{\"max_benefit_usd\": 500, \"min_premium_floor_usd\": 250}",
"active": 1,
"retired_rider": 0,
"doc_id": "KB-PROMO-PINEBUNDLE",
"notes": "Requires >=2 active lines for the household. Pairs with the NEST bundle discount."
},
{
"promo_code": "SPRINGSAVE25",
"label": "Spring Savings 2025",
"scope": "{\"lines\": [\"AUTO\"], \"regions\": [\"R-MW\", \"R-SW\"], \"customer\": \"ANY\"}",
"window_start": "2025-03-20",
"window_end": "2025-06-21",
"effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 75}",
"stacks_with": "[]",
"caps": "{\"max_benefit_usd\": 75, \"min_premium_floor_usd\": 300}",
"active": 0,
"retired_rider": 0,
"doc_id": "KB-PROMO-SPRINGSAVE25",
"notes": "Expired seasonal promo."
},
{
"promo_code": "PETLOVE",
"label": "Pet Adoption Month",
"scope": "{\"lines\": [\"PET\"], \"regions\": \"ALL\", \"customer\": \"ANY\"}",
"window_start": "2025-10-01",
"window_end": "2025-10-31",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.2}",
"stacks_with": "[\"DISC-PAPERLESS\"]",
"caps": "{\"max_benefit_usd\": 60, \"min_premium_floor_usd\": 80}",
"active": 0,
"retired_rider": 0,
"doc_id": "KB-PROMO-PETLOVE",
"notes": null
},
{
"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}",
"stacks_with": "[\"DISC-LOYALTY\"]",
"caps": "{\"max_benefit_usd\": 0, \"min_premium_floor_usd\": 0}",
"active": 1,
"retired_rider": 1,
"doc_id": "KB-PROMO-GREENSTART",
"notes": "The $0 trap. Still validates; agent must NOT promise a discount that nets zero."
},
{
"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}",
"stacks_with": "[\"DISC-MULTILINE\"]",
"caps": "{\"max_benefit_usd\": 120, \"min_premium_floor_usd\": 600}",
"active": 1,
"retired_rider": 0,
"doc_id": "KB-PROMO-COASTALSHIELD",
"notes": "SE region only; intended for wind-mitigated dwellings."
}
],
"row_count": 6,
"truncated": false
}⚙ query_db(SELECT * FROM eligibility_rules WHERE (tier_id LIKE '%AUTO%' OR line = 'AUTO'))
{
"sql": "SELECT * FROM eligibility_rules WHERE (tier_id LIKE '%AUTO%' OR line = 'AUTO')"
}{
"rows": [
{
"rule_id": "ELIG-AUTO-GAP-FINANCED",
"line": "AUTO",
"tier_id": null,
"coverage_id": "AUTO:GAP",
"state": null,
"effect": "GATE",
"condition": "vehicle_financed",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-AUTO-GAP",
"notes": "GAP eligible only when the vehicle is financed/leased."
},
{
"rule_id": "ELIG-AUTO-OEM-SEQUOIA",
"line": "AUTO",
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:OEM",
"state": null,
"effect": "GATE",
"condition": "tier_is_sequoia",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-AUTO-TIERS",
"notes": "OEM parts guarantee is Sequoia-only on sellable tiers."
},
{
"rule_id": "ELIG-AUTO-MED-EVERGREEN",
"line": "AUTO",
"tier_id": null,
"coverage_id": "AUTO:MED",
"state": null,
"effect": "GATE",
"condition": "tier_position_gte_evergreen",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-AUTO-TIERS",
"notes": "Medical Payments available Evergreen and above."
},
{
"rule_id": "ELIG-NY-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NY",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NY minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
},
{
"rule_id": "ELIG-NJ-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NJ",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NJ minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
},
{
"rule_id": "ELIG-CA-AUTO-FACTORS",
"line": "AUTO",
"tier_id": null,
"coverage_id": null,
"state": "CA",
"effect": "PROHIBIT_FACTOR",
"condition": "factors: [credit_insurance_score, gender]",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-CA-RATING",
"notes": "CA auto rating may not use credit-based insurance score or gender; risk_components credit term is zeroed."
}
],
"row_count": 6,
"truncated": false
}⚙ query_db(SELECT * FROM discounts)
{
"sql": "SELECT * FROM discounts"
}{
"rows": [
{
"discount_id": "DISC-SAFEDRIVER",
"code": "SAFE_DRIVER",
"label": "Safe Driver",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.12}",
"stack_order": 10,
"eligibility": "line in [AUTO,MOTO] and driver_incidents_5yr == 0",
"notes": null
},
{
"discount_id": "DISC-MULTILINE",
"code": "MULTILINE",
"label": "Multi-Line (Bundle)",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
"stack_order": 20,
"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}",
"stack_order": 30,
"eligibility": "billing.plan == PAY_IN_FULL",
"notes": null
},
{
"discount_id": "DISC-PAPERLESS",
"code": "PAPERLESS",
"label": "Paperless Billing",
"effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 25}",
"stack_order": 40,
"eligibility": "contact.paperless == true",
"notes": null
},
{
"discount_id": "DISC-AUTOPAY",
"code": "AUTOPAY",
"label": "Automatic Payments",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.03}",
"stack_order": 50,
"eligibility": "billing.autopay == true",
"notes": null
},
{
"discount_id": "DISC-LOYALTY",
"code": "LOYALTY",
"label": "PineRewards Loyalty",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.05}",
"stack_order": 60,
"eligibility": "loyalty_tier in [Timber, OldGrowth]",
"notes": "Applied LAST so it discounts the already-discounted premium (compounding order matters)."
}
],
"row_count": 6,
"truncated": false
}⚙ search_kb(loyalty tier)
{
"query": "loyalty tier"
}{
"results": [
{
"doc_id": "KB-LEGACY-XWALK",
"title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
"category": "HOWTO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
},
{
"doc_id": "KB-AUTO-TIERS",
"title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
"category": "POLICY",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
},
{
"doc_id": "KB-HERITAGE",
"title": "Heritage tier (retired 2009) — do not drop without disclosure",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Heritage was retired on 2009-07-01 and cannot be sold or re-bound. It carries a\ncoverage combination no current tier offers (Sequoia-level MED/RENT_REIMB/ROAD/OEM\non a mid liability base). A customer who drops Heritage **loses that combinat…"
},
{
"doc_id": "KB-LOYALTY-AUTHORITY",
"title": "PineRewards points: what a service rep may post",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
},
{
"doc_id": "KB-NE-MIN-LIMITS",
"title": "NY/NJ minimum auto liability limits",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
"snippet": "New York and New Jersey mandate minimum BI/PD limits above the Sapling tier's\nlimits, so **Sapling auto is not sellable** in those states — quote Pine or higher.\n"
}
]
}⚙ get_doc(KB-LOYALTY-AUTHORITY)
{
"doc_id": "KB-LOYALTY-AUTHORITY"
}{
"doc_id": "KB-LOYALTY-AUTHORITY",
"title": "PineRewards points: what a service rep may post",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"body_md": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten without expiry dates and are honored as non-expiring. A service rep\nmay post exactly three kinds of manual ledger entry:\n\n1. **Goodwill grant** — up to **500 points per incident**, and at most **one\n goodwill grant per customer per rolling 12 months** (check the ledger\n before posting). Larger amounts, or a second grant inside the window, go\n to the loyalty desk — do not post them yourself.\n2. **Redemption** — at the customer's request, points convert to a\n **deductible credit** on one named active policy at **100 points = $1**,\n in 100-point increments, capped at **2,000 points per customer per\n calendar year**.\n3. **Correction** — reverse a documented posting error point-for-point, or\n reinstate points whose expiry date fell within the **last 90 days**.\n Older expiries go to the loyalty desk.\n\nPoints have **no cash or premium value** — never apply them to a bill or a\npremium, and never re-post an expiring balance to dodge its expiry date.\nEvery manual entry needs a specific reason, and the cached balance must\nalways equal the ledger sum.\n"
}Good news, Tanya! You are absolutely eligible for that promotion.
Your coworker was close, but the Spring Savings 2025 promotion (SPRINGSAVE25) runs from March 20th through June 21st, 2025. Since today is June 1st, 2025, you are still well within the offer window! Additionally, since you are located in Arizona (which is part of our Southwest region), your policy is in one of the eligible geographic areas.
Applying this $75.00 discount to your auto policy will reduce your premium as follows:
- Current Premium: $913.50
- New Premium: $838.50 (saving you exactly $75.00)
Would you like me to go ahead and apply this Spring Savings promotion to your auto policy?
Customer
Oh great, thanks for checking! I'm really glad it's still available. But I'd like to hold off on applying it right now — I want to look at my budget with my husband first before I make any changes to the policy. Can you just tell me how long I have to apply it, and then I'll call back?
Agent
147k in · 2,484 out · $0.09 · 20.9s⚙ quote({"promo_code":"SPRINGSAVE25","annual_miles":11000,"peico_risk":730,"loyalty_t…)
{
"facts": {
"promo_code": "SPRINGSAVE25",
"annual_miles": 11000,
"peico_risk": 730,
"loyalty_tier": "Sprout",
"driver_age": 34,
"state": "AZ",
"autopay": false,
"exposure_count": 1,
"status": "CUSTOMER",
"term_months": 12,
"line": "AUTO",
"age": 34,
"is_new_first_policy": false,
"vehicle_age": 5,
"incidents_5yr": 0,
"billing_plan": "PAY_IN_FULL",
"paperless": true,
"has_bundle": false,
"tier": "PINE",
"active_lines": 1,
"coverages": [],
"region": "R-SW"
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 103048,
"final_premium_cents": 74334,
"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-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=34 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=730 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 100548
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 103048
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 90682
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 84334
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 81834
},
{
"step": "PROMO",
"code": "SPRINGSAVE25",
"detail": "−$75 (cap $75)",
"factor": null,
"amount_cents": -7500,
"running_cents": 74334
}
]
}⚙ quote(2025-06-01, {"active_lines":1,"state":"AZ","autopay":false,"vehicle_age":5,"p…)
{
"as_of": "2025-06-01",
"facts": {
"active_lines": 1,
"state": "AZ",
"autopay": false,
"vehicle_age": 5,
"paperless": true,
"promo_code": null,
"tier": "PINE",
"annual_miles": 11000,
"has_bundle": false,
"incidents_5yr": 0,
"driver_age": 34,
"term_months": 12,
"line": "AUTO",
"billing_plan": "PAY_IN_FULL",
"exposure_count": 1,
"region": "R-SW",
"peico_risk": 730,
"age": 34,
"status": "CUSTOMER",
"is_new_first_policy": false,
"loyalty_tier": "Sprout",
"coverages": []
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 103048,
"final_premium_cents": 81834,
"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-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=34 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=730 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 100548
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 103048
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 90682
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 84334
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 81834
}
]
}⚙ quote(2025-06-01, {"loyalty_tier":"Sprout","has_bundle":false,"age":34,"term_months…)
{
"as_of": "2025-06-01",
"facts": {
"loyalty_tier": "Sprout",
"has_bundle": false,
"age": 34,
"term_months": 12,
"line": "AUTO",
"is_new_first_policy": false,
"coverages": [],
"status": "CUSTOMER",
"annual_miles": 11000,
"exposure_count": 1,
"billing_plan": "INSTALLMENTS",
"tier": "PINE",
"state": "AZ",
"region": "R-SW",
"autopay": true,
"active_lines": 1,
"peico_risk": 730,
"paperless": true,
"incidents_5yr": 0,
"vehicle_age": 5,
"driver_age": 34
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 106648,
"final_premium_cents": 88610,
"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-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=34 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=730 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 100548
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 103048
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 106648
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 93850
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 91350
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 88610
}
]
}⚙ quote({"autopay":true,"term_months":12,"active_lines":1,"paperless":true,"state":"A…)
{
"facts": {
"autopay": true,
"term_months": 12,
"active_lines": 1,
"paperless": true,
"state": "AZ",
"loyalty_tier": "Sprout",
"driver_age": 34,
"is_new_first_policy": false,
"vehicle_age": 5,
"incidents_5yr": 0,
"exposure_count": 1,
"tier": "PINE",
"peico_risk": 730,
"has_bundle": false,
"promo_code": "SPRINGSAVE25",
"billing_plan": "INSTALLMENTS",
"age": 34,
"line": "AUTO",
"status": "CUSTOMER",
"coverages": [],
"region": "R-SW",
"annual_miles": 11000
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 106648,
"final_premium_cents": 81110,
"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-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=34 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=730 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 100548
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 103048
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 106648
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 93850
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 91350
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 88610
},
{
"step": "PROMO",
"code": "SPRINGSAVE25",
"detail": "−$75 (cap $75)",
"factor": null,
"amount_cents": -7500,
"running_cents": 81110
}
]
}⚙ quote({"exposure_count":1,"driver_age":34,"line":"AUTO","status":"CUSTOMER","loyalt…)
{
"facts": {
"exposure_count": 1,
"driver_age": 34,
"line": "AUTO",
"status": "CUSTOMER",
"loyalty_tier": "Sprout",
"paperless": true,
"active_lines": 1,
"is_new_first_policy": false,
"vehicle_age": 5,
"has_bundle": false,
"peico_risk": 730,
"coverages": [],
"region": "R-SW",
"autopay": true,
"state": "AZ",
"tier": "PINE",
"incidents_5yr": 0,
"promo_code": "SPRINGSAVE25",
"billing_plan": "PAY_IN_FULL",
"annual_miles": 11000,
"term_months": 12,
"age": 34
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 103048,
"final_premium_cents": 71879,
"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-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=34 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=730 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 105840
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 100548
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 103048
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 90682
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 84334
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 81834
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 79379
},
{
"step": "PROMO",
"code": "SPRINGSAVE25",
"detail": "−$75 (cap $75)",
"factor": null,
"amount_cents": -7500,
"running_cents": 71879
}
]
}You have until June 21st, 2025 to apply the Spring Savings promotion to your policy. Since today is June 1st, that gives you and your husband about three weeks (20 days) to look things over and make a decision!
Since you mentioned you're reviewing your budget, I wanted to share a few other easy ways you might save even more when you call back:
-
Paid In Full Discount (Save up to $170.16 total): Right now, you are on an installment plan which includes a $36.00 fractional payment surcharge. If you switch to paying in full:
- You'll eliminate that $36.00 surcharge.
- You'll receive a 7% Paid In Full discount.
- Combined with the Spring Savings promotion, your annual premium would drop from $913.50 to $743.34 (saving you $170.16).
- Even if you did this without the Spring promotion, your premium would drop to $818.34 (saving you $95.16).
-
Automatic Payments Discount (Save up to $102.40 total): If you prefer to stay on installments but want to save a bit more, you can enable Autopay on your account for a 3% discount.
- With Autopay and the Spring Savings promotion on your current installment plan, your premium would go down to $811.10 (saving you $102.40).
-
The Ultimate Savings Combo (Save $194.71 total): If you switch to paying in full, enable autopay, and apply the Spring Savings promotion, your annual premium drops to $718.79 (reducing your bill by nearly $200!).
Whenever you and your husband are ready, just give us a call before June 21st, and we can set up any of these options for you. Is there anything else I can help you look into or explain today?
Customer
No, that's really helpful — thanks for all that info! I've got what I need. I'll talk it over with my husband and call back before the 21st. Thanks again!
Agent
56k in · 105 out · $0.02 · 3.2s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You are very welcome, Tanya! It was a pleasure helping you today. Have a wonderful time discussing it with your husband, and we look forward to hearing from you soon.
Thank you for choosing PEICO, and have a great rest of your day!