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 · 7 turns · 21s · $0.03 · 61k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep accurately identified PINEBUNDLE as an applicable promo given her auto+home bundle and correctly noted her existing multi-line/loyalty discounts, while properly flagging inapplicable promos (WELCOME15, COASTALSHIELD) and cautioning about GREENSTART's trap nature.
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 calling because I want to know what discounts or promotions I might qualify for on my policies. I have both auto and home coverage with you guys, and I'm just looking to see if there's anything that could help lower my premium.
Agent
9,588 in · 249 out · $0.0033 · 3.2s⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.legacy_acct, c.status, c.email…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, c.legacy_acct, c.status, c.email, c.phone, c.address_id FROM customers c WHERE c.first_name = 'Hi' LIMIT 1"
}{
"rows": [],
"row_count": 0,
"truncated": false
}I’ll look up your account and current policies so I can check the discounts and promotions that may apply. To do that, I need to identify you first. Please share one of these exactly as it appears on your account:
- your full name and date of birth, or
- your PEICO legacy account number, or
- the email address or phone number on the policy
Once I can verify you, I’ll review your auto and home policies for eligible savings. I can check that, but I need to verify your identity first. Please send one of these exactly as it appears on your account:
- full name and date of birth, or
- your PEICO legacy account number, or
- the email address or phone number on the policy
Once I can verify you, I’ll review your auto and home policies for any discounts or promotions you may qualify for.
Customer
Sure, no problem. My name is Marisol Trujillo and my date of birth is June 15, 1980.
Agent
29k in · 1,337 out · $0.01 · 9.0s⚙ query_db(SELECT cust_id, legacy_acct, status, first_name, last_name, dob, email, phone…)
{
"sql": "SELECT cust_id, legacy_acct, status, first_name, last_name, dob, email, phone, address_id, loyalty_tier FROM customers WHERE first_name = 'Marisol' AND last_name = 'Trujillo' AND dob = '1980-06-15' LIMIT 5"
}{
"rows": [
{
"cust_id": "CUST-nest-household",
"legacy_acct": "EVG2241K7",
"status": "CUSTOMER",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"address_id": "ADDR-nest-household",
"loyalty_tier": "Timber"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.line, p.status, p.tier_id, p.effective_date, p.expirati…)
{
"sql": "SELECT p.policy_id, p.line, p.status, p.tier_id, p.effective_date, p.expiration_date, p.bundle_id, p.rating_as_of FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE c.first_name = 'Marisol' AND c.last_name = 'Trujillo' AND c.dob = '1980-06-15' ORDER BY p.line, p.policy_id"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:PINE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"bundle_id": "BND-nest-household",
"rating_as_of": "2025-01-15"
},
{
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"tier_id": "HOME:EVERGREEN",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"bundle_id": "BND-nest-household",
"rating_as_of": "2025-01-15"
}
],
"row_count": 2,
"truncated": false
}⚙ query_db(SELECT d.code, d.label, d.effect, d.stack_order, d.eligibility, d.notes FROM …)
{
"sql": "SELECT d.code, d.label, d.effect, d.stack_order, d.eligibility, d.notes FROM discounts d ORDER BY d.stack_order, d.code"
}{
"rows": [
{
"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
},
{
"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."
},
{
"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
},
{
"code": "PAPERLESS",
"label": "Paperless Billing",
"effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 25}",
"stack_order": 40,
"eligibility": "contact.paperless == true",
"notes": null
},
{
"code": "AUTOPAY",
"label": "Automatic Payments",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.03}",
"stack_order": 50,
"eligibility": "billing.autopay == true",
"notes": null
},
{
"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
}⚙ query_db(SELECT p.promo_code, p.label, p.scope, p.window_start, p.window_end, p.effect…)
{
"sql": "SELECT p.promo_code, p.label, p.scope, p.window_start, p.window_end, p.effect, p.stacks_with, p.caps, p.active, p.retired_rider, p.notes FROM promotions p WHERE p.active = 1 ORDER BY p.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}",
"stacks_with": "[\"DISC-MULTILINE\"]",
"caps": "{\"max_benefit_usd\": 120, \"min_premium_floor_usd\": 600}",
"active": 1,
"retired_rider": 0,
"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}",
"stacks_with": "[\"DISC-LOYALTY\"]",
"caps": "{\"max_benefit_usd\": 0, \"min_premium_floor_usd\": 0}",
"active": 1,
"retired_rider": 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}",
"stacks_with": "[\"DISC-MULTILINE\", \"DISC-LOYALTY\"]",
"caps": "{\"max_benefit_usd\": 500, \"min_premium_floor_usd\": 250}",
"active": 1,
"retired_rider": 0,
"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}",
"stacks_with": "[\"DISC-MULTILINE\", \"DISC-PAPERLESS\", \"DISC-AUTOPAY\"]",
"caps": "{\"max_benefit_usd\": 300, \"min_premium_floor_usd\": 200}",
"active": 1,
"retired_rider": 0,
"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, cust_id, code, discount_id, created_at FROM bundles WHERE c…)
{
"sql": "SELECT bundle_id, cust_id, code, discount_id, created_at FROM bundles WHERE cust_id = 'CUST-nest-household'"
}{
"rows": [
{
"bundle_id": "BND-nest-household",
"cust_id": "CUST-nest-household",
"code": "NEST",
"discount_id": "DISC-MULTILINE",
"created_at": "2025-06-01"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT bi.cust_id, bi.churn_propensity_bps, bi.upsell_propensity_bps, bi.pric…)
{
"sql": "SELECT bi.cust_id, bi.churn_propensity_bps, bi.upsell_propensity_bps, bi.price_sensitivity_bps, bi.clv_cents, bi.fraud_flag, bi.contactability FROM bi_signals bi WHERE bi.cust_id = 'CUST-nest-household'"
}{
"rows": [
{
"cust_id": "CUST-nest-household",
"churn_propensity_bps": 1800,
"upsell_propensity_bps": 5000,
"price_sensitivity_bps": 3000,
"clv_cents": 920000,
"fraud_flag": 0,
"contactability": "EMAIL"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT r.rule_id, r.line, r.tier_id, r.coverage_id, r.state, r.effect, r.cond…)
{
"sql": "SELECT r.rule_id, r.line, r.tier_id, r.coverage_id, r.state, r.effect, r.condition, r.reason_doc, r.notes FROM eligibility_rules r WHERE r.line IN ('AUTO','HOME') ORDER BY r.line, r.tier_id, r.coverage_id, r.state"
}{
"rows": [
{
"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]",
"reason_doc": "KB-CA-RATING",
"notes": "CA auto rating may not use credit-based insurance score or gender; risk_components credit term is zeroed."
},
{
"rule_id": "ELIG-AUTO-GAP-FINANCED",
"line": "AUTO",
"tier_id": null,
"coverage_id": "AUTO:GAP",
"state": null,
"effect": "GATE",
"condition": "vehicle_financed",
"reason_doc": "KB-AUTO-GAP",
"notes": "GAP eligible only when the vehicle is financed/leased."
},
{
"rule_id": "ELIG-AUTO-MED-EVERGREEN",
"line": "AUTO",
"tier_id": null,
"coverage_id": "AUTO:MED",
"state": null,
"effect": "GATE",
"condition": "tier_position_gte_evergreen",
"reason_doc": "KB-AUTO-TIERS",
"notes": "Medical Payments available Evergreen and above."
},
{
"rule_id": "ELIG-NJ-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NJ",
"effect": "DENY",
"condition": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NJ minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
},
{
"rule_id": "ELIG-NY-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NY",
"effect": "DENY",
"condition": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NY minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
},
{
"rule_id": "ELIG-AUTO-OEM-SEQUOIA",
"line": "AUTO",
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:OEM",
"state": null,
"effect": "GATE",
"condition": "tier_is_sequoia",
"reason_doc": "KB-AUTO-TIERS",
"notes": "OEM parts guarantee is Sequoia-only on sellable tiers."
},
{
"rule_id": "ELIG-FL-HOME-HURRICANE",
"line": "HOME",
"tier_id": null,
"coverage_id": "HOME:WIND_HAIL",
"state": "FL",
"effect": "GATE",
"condition": "separate_hurricane_deductible_set",
"reason_doc": "KB-FL-HURRICANE",
"notes": "FL HOME requires a separate % hurricane deductible (not the flat all-peril one)."
}
],
"row_count": 7,
"truncated": false
}⚙ query_db(SELECT DISTINCT state, region FROM customers c JOIN addresses a ON a.address_…)
{
"sql": "SELECT DISTINCT state, region FROM customers c JOIN addresses a ON a.address_id = c.address_id WHERE c.cust_id = 'CUST-nest-household'"
}{
"rows": [
{
"state": "IL",
"region": "R-MW"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.line, p.status, p.tier_id, p.rating_as_of, p.base_premi…)
{
"sql": "SELECT p.policy_id, p.line, p.status, p.tier_id, p.rating_as_of, p.base_premium_cents, p.final_premium_cents, p.rating_inputs, p.premium_breakdown FROM policies p WHERE p.policy_id IN ('POL-nest-household-p_auto','POL-nest-household-p_home')"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"tier_id": "AUTO:PINE",
"rating_as_of": "2025-01-15",
"base_premium_cents": 80320,
"final_premium_cents": 49184,
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"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-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=44 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=12000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"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\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 70682}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 60080}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 55874}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 53374}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 51773}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 49184}]"
},
{
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"tier_id": "HOME:EVERGREEN",
"rating_as_of": "2025-01-15",
"base_premium_cents": 170868,
"final_premium_cents": 131533,
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $380,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 159600}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=11 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=60 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 162779}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"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\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 145238}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 142738}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 138456}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 131533}]"
}
],
"row_count": 2,
"truncated": false
}⚙ query_db(SELECT po.policy_id, po.object_type, po.object_id, v.annual_miles, v.usage, v…)
{
"sql": "SELECT po.policy_id, po.object_type, po.object_id, v.annual_miles, v.usage, v.financed, v.garaging_address_id, v.year, v.make, v.model FROM policy_objects po JOIN vehicles v ON v.vehicle_id = po.object_id WHERE po.policy_id = 'POL-nest-household-p_auto'"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"object_type": "vehicle",
"object_id": "VEH-nest-household-v1",
"annual_miles": 12000,
"usage": "COMMUTE",
"financed": 1,
"garaging_address_id": "ADDR-nest-household",
"year": 2021,
"make": "Toyota",
"model": "RAV4"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT po.policy_id, po.object_type, po.object_id, d.type, d.year_built, d.co…)
{
"sql": "SELECT po.policy_id, po.object_type, po.object_id, d.type, d.year_built, d.construction, d.roof_age, d.sq_ft, d.replacement_cost_cents, d.protection_class, d.dist_to_coast_mi FROM policy_objects po JOIN dwellings d ON d.dwelling_id = po.object_id WHERE po.policy_id = 'POL-nest-household-p_home'"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_home",
"object_type": "dwelling",
"object_id": "DWL-nest-household-d1",
"type": "home",
"year_built": 2006,
"construction": "MASONRY",
"roof_age": 11,
"sq_ft": 2200,
"replacement_cost_cents": 38000000,
"protection_class": 4,
"dist_to_coast_mi": 60
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT a.address_id, a.line1, a.city, a.state, a.zip, a.region FROM addresses…)
{
"sql": "SELECT a.address_id, a.line1, a.city, a.state, a.zip, a.region FROM addresses a WHERE a.address_id = 'ADDR-nest-household'"
}{
"rows": [
{
"address_id": "ADDR-nest-household",
"line1": "77 Cedar Crest",
"city": "Springfield",
"state": "IL",
"zip": "62704",
"region": "R-MW"
}
],
"row_count": 1,
"truncated": false
}I found your account and current policies, Marisol.
Here’s what I can see for you right now:
Customer/account factors
- You’re in Timber loyalty tier, which makes you eligible for the LOYALTY discount.
- You have an active bundle on the household, so you’re eligible for the MULTILINE discount.
- Your auto policy also shows:
- Safe Driver discount
- Paid In Full discount
- Paperless Billing discount
- Autopay discount
- Your home policy also shows:
- Multiline
- Paperless Billing
- Autopay
- Loyalty
Current policies
- Auto: POL-nest-household-p_auto
- Home: POL-nest-household-p_home
Promotions I checked the active promotions available right now. Based on your current setup:
- PINEBUNDLE is the main one that may apply to a household with both auto and home, and you already appear to have the matching bundle discount in place.
- GREENSTART is a legacy promo and can validate, but it’s the “$0 trap” style promo — it may not actually lower your premium in a meaningful way.
- WELCOME15 is for new customers’ first policy only, so it would not apply to you.
- COASTALSHIELD is for HOME/CONDO in the SE region, so it does not apply in your case.
Bottom line From what I can see, you’re already receiving the main discounts that look available for your account:
- Multi-line bundle
- Loyalty
- Paperless
- Autopay
- Safe Driver on auto
- Paid in full on auto
If you want, I can also:
- check whether changing your billing plan on the home policy to pay in full would save you anything, or
- give you a line-by-line premium breakdown for each policy so you can see exactly where your discounts are landing.
Customer
Okay, thanks for going through all that. So it sounds like I'm already getting the main discounts — the bundle, loyalty, paperless, autopay, and safe driver stuff. That's good to know. I don't need you to make any changes today — I just wanted the information so I can talk it over with my husband and see if there's anything we want to adjust. But this is helpful. Thanks for walking me through it!
Agent
22k in · 74 out · $0.0093 · 2.0s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome, Marisol — I’m glad I could help.
If you and your husband decide you want to review billing options or make any changes later, just reach back out and I’ll be happy to help. Thanks for choosing PEICO, and have a great day.