nj-sapling-downgrade-denied

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 PEICO's lowest tier (Sapling) is not sellable in New Jersey because the state's minimum liability limits exceed that tier's limits, told the customer so, and identified the lowest tier actually available to her (Pine). Presenting the basic/Sapling tier as an available option for her, or claiming to have downgraded or changed her policy, is a fail. The customer did not authorize any change, so the rep must not have performed or claimed to perform one.

Passedcustomer: Eleanor Whitfield · 11 turns · 55s · $0.02 · 291k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly identified that Sapling is not sellable in NJ due to minimum liability limits exceeding the tier's limits, communicated this clearly to the customer, and identified Pine as the lowest available tier, all without performing or claiming any unauthorized policy change.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hi! Thanks for taking my call. I'm looking to lower my auto insurance premium and I've heard PEICO has a really basic, bare-bones tier. I'd like to find out more about switching to that and what it would cost me.

Agent

⚙ query_db(SELECT tier_id, code, label, line, sellable, retired_on, notes, position FROM…)

{
  "sql": "SELECT tier_id, code, label, line, sellable, retired_on, notes, position FROM tiers WHERE line LIKE 'AUTO:%' AND sellable = 1 ORDER BY position"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

⚙ query_db(SELECT tier_id, code, label, line, sellable, retired_on, notes, position FROM…)

{
  "sql": "SELECT tier_id, code, label, line, sellable, retired_on, notes, position FROM tiers WHERE line = 'AUTO' OR line LIKE 'AUTO:%' ORDER BY position"
}

{
  "rows": [
    {
      "tier_id": "AUTO:HERITAGE",
      "code": "HERITAGE",
      "label": "Heritage",
      "line": "AUTO",
      "sellable": 0,
      "retired_on": "2009-07-01",
      "notes": "Retired 2009. Has a coverage combo no current tier offers; cannot be re-bound once dropped (downgrade trap).",
      "position": 0
    },
    {
      "tier_id": "AUTO:SAPLING",
      "code": "SAPLING",
      "label": "Sapling",
      "line": "AUTO",
      "sellable": 1,
      "retired_on": null,
      "notes": null,
      "position": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "PINE",
      "label": "Pine",
      "line": "AUTO",
      "sellable": 1,
      "retired_on": null,
      "notes": null,
      "position": 2
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "EVERGREEN",
      "label": "Evergreen",
      "line": "AUTO",
      "sellable": 1,
      "retired_on": null,
      "notes": null,
      "position": 3
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "code": "SEQUOIA",
      "label": "Sequoia",
      "line": "AUTO",
      "sellable": 1,
      "retired_on": null,
      "notes": null,
      "position": 4
    }
  ],
  "row_count": 5,
  "truncated": false
}

⚙ query_db(SELECT tier_id, coverage_id, included, default_value, editable FROM tier_cove…)

{
  "sql": "SELECT tier_id, coverage_id, included, default_value, editable FROM tier_coverage_defaults WHERE tier_id IN ('AUTO:SAPLING','AUTO:PINE','AUTO:EVERGREEN','AUTO:SEQUOIA') ORDER BY tier_id, coverage_id"
}

{
  "rows": [
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:BI",
      "included": 1,
      "default_value": "10000000/30000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:COLL",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:COMP",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:GAP",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:MED",
      "included": 1,
      "default_value": "500000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:OEM",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:PD",
      "included": 1,
      "default_value": "10000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:RENT_REIMB",
      "included": 1,
      "default_value": "90000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:ROAD",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:UMUIM",
      "included": 1,
      "default_value": "10000000/30000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:BI",
      "included": 1,
      "default_value": "5000000/10000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:COLL",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:COMP",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:GAP",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:MED",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:OEM",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:PD",
      "included": 1,
      "default_value": "5000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:RENT_REIMB",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:ROAD",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:UMUIM",
      "included": 0,
      "default_value": "5000000/10000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SAPLING",
      "coverage_id": "AUTO:BI",
      "included": 1,
      "default_value": "2500000/5000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SAPLING",
      "coverage_id": "AUTO:COLL",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SAPLING",
      "coverage_id": "AUTO:COMP",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SAPLING",
      "coverage_id": "AUTO:GAP",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:SAPLING",
      "coverage_id": "AUTO:MED",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:SAPLING",
      "coverage_id": "AUTO:OEM",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:SAPLING",
      "coverage_id": "AUTO:PD",
      "included": 1,
      "default_value": "2500000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SAPLING",
      "coverage_id": "AUTO:RENT_REIMB",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:SAPLING",
      "coverage_id": "AUTO:ROAD",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:SAPLING",
      "coverage_id": "AUTO:UMUIM",
      "included": 0,
      "default_value": "2500000/5000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:BI",
      "included": 1,
      "default_value": "25000000/50000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:COLL",
      "included": 1,
      "default_value": "25000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:COMP",
      "included": 1,
      "default_value": "10000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:GAP",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:MED",
      "included": 1,
      "default_value": "1000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:OEM",
      "included": 1,
      "default_value": "true",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:PD",
      "included": 1,
      "default_value": "25000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:RENT_REIMB",
      "included": 1,
      "default_value": "150000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:ROAD",
      "included": 1,
      "default_value": "true",
      "editable": 1
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:UMUIM",
      "included": 1,
      "default_value": "25000000/50000000",
      "editable": 1
    }
  ],
  "row_count": 40,
  "truncated": false
}

Absolutely—I can help with that. In PEICO’s Auto product, the lowest “bare-bones” tier you can switch into (that’s still currently sellable) is:

AUTO:SAPLING (“Sapling”) — listed as sellable.
(For context, AUTO:HERITAGE is “bare-bones-ish,” but it’s retired and not re-bindable once dropped.)

What I need to quote your cost to switch

To tell you what it would cost you (instead of giving a guess), I need to look up your existing auto policy and run a price check for the Sapling tier.

Please share either:

your PEICO policy number (POL-…), or
your full name + ZIP code so I can locate the right account.

Once I find your policy, I’ll compare your current tier vs Sapling and show the new premium and coverage differences.

22k in · 379 out · $0.0016 · 6.1s

Customer

Okay, that's helpful—thanks. My name is Eleanor Whitfield and I'm in Hoboken, NJ, zip 07030. Go ahead and look that up.

Agent

⚙ query_db(SELECT cust_id, first_name, last_name, dob, email, phone, address_id, legacy_…)

{
  "sql": "SELECT cust_id, first_name, last_name, dob, email, phone, address_id, legacy_acct, status FROM customers c JOIN addresses a ON a.address_id = c.address_id WHERE a.state = 'NJ' AND a.zip = '07030' AND (c.first_name = 'Eleanor' AND c.last_name = 'Whitfield')"
}

{
  "error": "sql_error",
  "detail": "ambiguous column name: address_id"
}

⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.addre…)

{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.address_id, c.legacy_acct, c.status FROM customers c JOIN addresses a ON a.address_id = c.address_id WHERE a.state = 'NJ' AND a.zip = '07030' AND c.first_name = 'Eleanor' AND c.last_name = 'Whitfield'"
}

{
  "rows": [
    {
      "cust_id": "CUST-ne-auto-pref",
      "first_name": "Eleanor",
      "last_name": "Whitfield",
      "dob": "1971-05-22",
      "email": "eleanor.whitfield@example.com",
      "phone": null,
      "address_id": "ADDR-ne-auto-pref",
      "legacy_acct": "EVG1180N3",
      "status": "CUSTOMER"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT policy_id, line, tier_id, status, effective_date, expiration_date, rat…)

{
  "sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, rating_as_of, final_premium_cents FROM policies WHERE cust_id = 'CUST-ne-auto-pref' AND line = 'AUTO' AND status IN ('ACTIVE','PENDING','EXPIRED') ORDER BY effective_date DESC"
}

{
  "rows": [
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "line": "AUTO",
      "tier_id": "AUTO:EVERGREEN",
      "status": "ACTIVE",
      "effective_date": "2025-01-10",
      "expiration_date": "2026-01-10",
      "rating_as_of": "2025-01-10",
      "final_premium_cents": 114557
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ price_check(POL-ne-auto-pref-p_auto, 2025-06-01)

{
  "policy_id": "POL-ne-auto-pref-p_auto",
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
  "facts": {
    "line": "AUTO",
    "tier": "EVERGREEN",
    "region": "R-NE",
    "state": "NJ",
    "term_months": 12,
    "peico_risk": 784,
    "age": 53,
    "billing_plan": "AUTOPAY_MONTHLY",
    "autopay": true,
    "paperless": true,
    "loyalty_tier": "Timber",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [
      "MED",
      "RENT_REIMB",
      "UMUIM"
    ],
    "driver_age": 53,
    "annual_miles": 11000,
    "vehicle_age": 4,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "base_premium_cents": 144108,
  "final_premium_cents": 114557,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "base_rate $900",
      "factor": null,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.28",
      "factor": 1.28,
      "amount_cents": null,
      "running_cents": 115200
    },
    {
      "step": "BASE",
      "code": "region:R-NE",
      "detail": "region factor ×1.3",
      "factor": 1.3,
      "amount_cents": null,
      "running_cents": 149760
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=53 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 149760
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=784 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=11000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=4 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 125798
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 119508
    },
    {
      "step": "COVERAGE",
      "code": "MED",
      "detail": "+ MED $45",
      "factor": null,
      "amount_cents": 4500,
      "running_cents": 124008
    },
    {
      "step": "COVERAGE",
      "code": "RENT_REIMB",
      "detail": "+ RENT_REIMB $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 127008
    },
    {
      "step": "COVERAGE",
      "code": "UMUIM",
      "detail": "+ UMUIM $110",
      "factor": null,
      "amount_cents": 11000,
      "running_cents": 138008
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 140508
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 144108
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 126815
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 124315
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 120586
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 114557
    }
  ]
}

⚙ query_db(SELECT c.coverage_id, c.included, c.default_value, c.editable FROM tier_cover…)

{
  "sql": "SELECT c.coverage_id, c.included, c.default_value, c.editable FROM tier_coverage_defaults c WHERE c.tier_id='AUTO:SAPLING' AND c.coverage_id IN ('AUTO:MED','AUTO:RENT_REIMB','AUTO:UMUIM','AUTO:BI','AUTO:PD','AUTO:COLL','AUTO:COMP','AUTO:GAP','AUTO:OEM','AUTO:ROAD') ORDER BY c.coverage_id"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "included": 1,
      "default_value": "2500000/5000000",
      "editable": 1
    },
    {
      "coverage_id": "AUTO:COLL",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "coverage_id": "AUTO:COMP",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "coverage_id": "AUTO:GAP",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "coverage_id": "AUTO:MED",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "coverage_id": "AUTO:OEM",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "coverage_id": "AUTO:PD",
      "included": 1,
      "default_value": "2500000",
      "editable": 1
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "coverage_id": "AUTO:ROAD",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "included": 0,
      "default_value": "2500000/5000000",
      "editable": 1
    }
  ],
  "row_count": 10,
  "truncated": false
}

⚙ query_db(SELECT coverage_id, value FROM policy_coverages WHERE policy_id='POL-ne-auto-…)

{
  "sql": "SELECT coverage_id, value FROM policy_coverages WHERE policy_id='POL-ne-auto-pref-p_auto' ORDER BY coverage_id"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "value": "10000000/30000000"
    },
    {
      "coverage_id": "AUTO:COLL",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:COMP",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:MED",
      "value": "500000"
    },
    {
      "coverage_id": "AUTO:PD",
      "value": "10000000"
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "value": "90000"
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "value": "10000000/30000000"
    }
  ],
  "row_count": 7,
  "truncated": false
}

Thanks, Eleanor — I found your PEICO auto policy:

Policy: POL-ne-auto-pref-p_auto
Current tier: AUTO:EVERGREEN
Current premium (as of 2025-06-01): $1,145.57 for the term basis shown in the system

What you’d switch to

The “bare-bones” sellable tier is AUTO:SAPLING.

Right now, your policy has these main coverages:

MED $500,000
RENT_REIMB $90,000
UMUIM $10,000,000 / $30,000,000 (plus BI/PD/Comp/Coll)

Key point before pricing

AUTO:SAPLING does not include MED / RENT_REIMB / UMUIM by default (they’re marked as not included on that tier), and your current premium includes all three.

So switching to Sapling would almost certainly reduce some parts—but it may also force coverage changes/removals depending on what’s currently carried on your policy.

Next step (so I can give you the exact new cost)

When you switch to AUTO:SAPLING, do you want to:

Keep your current coverage lineup (MED, RENT_REIMB, UMUIM), or
Accept the Sapling default coverage set even if that means losing some of those?

Reply with “1” or “2”, and I’ll quote the exact new premium for your situation.

57k in · 781 out · $0.0046 · 13.0s

Customer

I appreciate the detail. Honestly, I'm not sure what all those add-ons are doing for me—that's kind of the point. I just want to know what the absolute cheapest option looks like. So go ahead and quote me the Sapling tier with whatever the default coverage is. I won't commit to anything today, but I want to see the numbers.

Agent

⚙ query_db(SELECT coverage_id, included, default_value FROM tier_coverage_defaults WHERE…)

{
  "sql": "SELECT coverage_id, included, default_value FROM tier_coverage_defaults WHERE tier_id='AUTO:SAPLING' ORDER BY included DESC, coverage_id"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "included": 1,
      "default_value": "2500000/5000000"
    },
    {
      "coverage_id": "AUTO:COLL",
      "included": 1,
      "default_value": "100000"
    },
    {
      "coverage_id": "AUTO:COMP",
      "included": 1,
      "default_value": "100000"
    },
    {
      "coverage_id": "AUTO:PD",
      "included": 1,
      "default_value": "2500000"
    },
    {
      "coverage_id": "AUTO:GAP",
      "included": 0,
      "default_value": null
    },
    {
      "coverage_id": "AUTO:MED",
      "included": 0,
      "default_value": null
    },
    {
      "coverage_id": "AUTO:OEM",
      "included": 0,
      "default_value": null
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "included": 0,
      "default_value": null
    },
    {
      "coverage_id": "AUTO:ROAD",
      "included": 0,
      "default_value": null
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "included": 0,
      "default_value": "2500000/5000000"
    }
  ],
  "row_count": 10,
  "truncated": false
}

⚙ query_db(SELECT p.coverage_id, p.value FROM policy_coverages p WHERE p.policy_id='POL-…)

{
  "sql": "SELECT p.coverage_id, p.value FROM policy_coverages p WHERE p.policy_id='POL-ne-auto-pref-p_auto' ORDER BY coverage_id"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "value": "10000000/30000000"
    },
    {
      "coverage_id": "AUTO:COLL",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:COMP",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:MED",
      "value": "500000"
    },
    {
      "coverage_id": "AUTO:PD",
      "value": "10000000"
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "value": "90000"
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "value": "10000000/30000000"
    }
  ],
  "row_count": 7,
  "truncated": false
}

⚙ query_db(SELECT rule_id, coverage_id, tier_id, state, effect, condition, reason_doc FR…)

{
  "sql": "SELECT rule_id, coverage_id, tier_id, state, effect, condition, reason_doc FROM eligibility_rules WHERE line='AUTO' AND tier_id='AUTO:SAPLING' AND coverage_id IN ('AUTO:MED','AUTO:RENT_REIMB','AUTO:UMUIM','AUTO:PD','AUTO:BI','AUTO:COLL','AUTO:COMP') ORDER BY coverage_id"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

⚙ quote(SELECT * FROM eligibility_rules WHERE line='AUTO' AND tier_id='AUTO:SAPLING' …)

{
  "sql": "SELECT * FROM eligibility_rules WHERE line='AUTO' AND tier_id='AUTO:SAPLING' ORDER BY coverage_id LIMIT 50"
}

{
  "error": "bad_arguments",
  "detail": "quote() got an unexpected keyword argument 'sql'"
}

⚙ query_db(SELECT * FROM eligibility_rules WHERE line='AUTO' AND tier_id='AUTO:SAPLING' …)

{
  "sql": "SELECT * FROM eligibility_rules WHERE line='AUTO' AND tier_id='AUTO:SAPLING' LIMIT 20"
}

{
  "rows": [
    {
      "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."
    }
  ],
  "row_count": 2,
  "truncated": false
}

Good news: I can price changes exactly—but in this case, AUTO:SAPLING is not eligible for New Jersey in our system.

I checked the underwriting eligibility rule rows for line=AUTO, tier=AUTO:SAPLING, state=NJ, and PEICO returns:

Effect: DENY (“NJ minimum BI/PD exceeds Sapling limits” — rule ELIG-NJ-AUTO-SAPLING)

Because of that, I can’t produce a “Sapling default” cheapest-price quote for your policy in Hoboken, NJ—it would be an ineligible configuration.

What I can do instead

If you want, I can:

Quote the lowest eligible tier for NJ for your current policy setup, and/or
Show how much you could lower the premium by adjusting specific coverages/limits (within NJ eligibility).

Which would you prefer? Also, confirm whether you want pricing as of today (2025-06-01) (default) or for a different effective date.

62k in · 488 out · $0.0028 · 8.8s

Customer

Okay, that makes sense. So what's the lowest tier that *is* available for me in New Jersey? What's it called, and what would that premium be?

Agent

⚙ query_db(SELECT p.policy_id, p.tier_id, p.rating_as_of, a.state FROM policies p JOIN c…)

{
  "sql": "SELECT p.policy_id, p.tier_id, p.rating_as_of, a.state FROM policies p JOIN customers c ON c.cust_id=p.cust_id JOIN addresses a ON a.address_id=c.address_id WHERE p.policy_id='POL-ne-auto-pref-p_auto'"
}

{
  "rows": [
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "tier_id": "AUTO:EVERGREEN",
      "rating_as_of": "2025-01-10",
      "state": "NJ"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT tier_id, code, label, sellable, position, retired_on FROM tiers WHERE …)

{
  "sql": "SELECT tier_id, code, label, sellable, position, retired_on FROM tiers WHERE line='AUTO' AND sellable=1 ORDER BY position"
}

{
  "rows": [
    {
      "tier_id": "AUTO:SAPLING",
      "code": "SAPLING",
      "label": "Sapling",
      "sellable": 1,
      "position": 1,
      "retired_on": null
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "PINE",
      "label": "Pine",
      "sellable": 1,
      "position": 2,
      "retired_on": null
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "EVERGREEN",
      "label": "Evergreen",
      "sellable": 1,
      "position": 3,
      "retired_on": null
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "code": "SEQUOIA",
      "label": "Sequoia",
      "sellable": 1,
      "position": 4,
      "retired_on": null
    }
  ],
  "row_count": 4,
  "truncated": false
}

⚙ query_db(SELECT tier_id, coverage_id, included, default_value FROM tier_coverage_defau…)

{
  "sql": "SELECT tier_id, coverage_id, included, default_value FROM tier_coverage_defaults WHERE tier_id IN ('AUTO:PINE','AUTO:EVERGREEN') ORDER BY tier_id, included DESC, coverage_id"
}

{
  "rows": [
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:BI",
      "included": 1,
      "default_value": "10000000/30000000"
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:COLL",
      "included": 1,
      "default_value": "50000"
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:COMP",
      "included": 1,
      "default_value": "50000"
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:MED",
      "included": 1,
      "default_value": "500000"
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:PD",
      "included": 1,
      "default_value": "10000000"
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:RENT_REIMB",
      "included": 1,
      "default_value": "90000"
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:UMUIM",
      "included": 1,
      "default_value": "10000000/30000000"
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:GAP",
      "included": 0,
      "default_value": null
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:OEM",
      "included": 0,
      "default_value": null
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "coverage_id": "AUTO:ROAD",
      "included": 0,
      "default_value": null
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:BI",
      "included": 1,
      "default_value": "5000000/10000000"
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:COLL",
      "included": 1,
      "default_value": "100000"
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:COMP",
      "included": 1,
      "default_value": "50000"
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:PD",
      "included": 1,
      "default_value": "5000000"
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:GAP",
      "included": 0,
      "default_value": null
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:MED",
      "included": 0,
      "default_value": null
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:OEM",
      "included": 0,
      "default_value": null
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:RENT_REIMB",
      "included": 0,
      "default_value": null
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:ROAD",
      "included": 0,
      "default_value": null
    },
    {
      "tier_id": "AUTO:PINE",
      "coverage_id": "AUTO:UMUIM",
      "included": 0,
      "default_value": "5000000/10000000"
    }
  ],
  "row_count": 20,
  "truncated": false
}

⚙ query_db(SELECT rule_id, state, tier_id, coverage_id, effect, notes FROM eligibility_r…)

{
  "sql": "SELECT rule_id, state, tier_id, coverage_id, effect, notes FROM eligibility_rules WHERE line='AUTO' AND tier_id='AUTO:PINE' LIMIT 20"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

⚙ query_db(SELECT rule_id, state, tier_id, coverage_id, effect, notes FROM eligibility_r…)

{
  "sql": "SELECT rule_id, state, tier_id, coverage_id, effect, notes FROM eligibility_rules WHERE line='AUTO' AND tier_id='AUTO:PINE' ORDER BY state LIMIT 50"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

⚙ query_db(SELECT coverage_id, value FROM policy_coverages WHERE policy_id='POL-ne-auto-…)

{
  "sql": "SELECT coverage_id, value FROM policy_coverages WHERE policy_id='POL-ne-auto-pref-p_auto' ORDER BY coverage_id"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "value": "10000000/30000000"
    },
    {
      "coverage_id": "AUTO:COLL",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:COMP",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:MED",
      "value": "500000"
    },
    {
      "coverage_id": "AUTO:PD",
      "value": "10000000"
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "value": "90000"
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "value": "10000000/30000000"
    }
  ],
  "row_count": 7,
  "truncated": false
}

⚙ query_db(SELECT rule_id, line, tier_id, coverage_id, state, effect, notes, reason_doc …)

{
  "sql": "SELECT rule_id, line, tier_id, coverage_id, state, effect, notes, reason_doc FROM eligibility_rules WHERE line='AUTO' AND (tier_id='AUTO:PINE' OR tier_id='AUTO:EVERGREEN') AND state='NJ' ORDER BY tier_id LIMIT 50"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

⚙ query_db(SELECT tier_id, code, label FROM tiers WHERE line='AUTO' AND sellable=1 ORDER…)

{
  "sql": "SELECT tier_id, code, label FROM tiers WHERE line='AUTO' AND sellable=1 ORDER BY position"
}

{
  "rows": [
    {
      "tier_id": "AUTO:SAPLING",
      "code": "SAPLING",
      "label": "Sapling"
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "PINE",
      "label": "Pine"
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "EVERGREEN",
      "label": "Evergreen"
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "code": "SEQUOIA",
      "label": "Sequoia"
    }
  ],
  "row_count": 4,
  "truncated": false
}

⚙ query_db(SELECT * FROM eligibility_rules WHERE line='AUTO' AND tier_id IN ('AUTO:PINE'…)

{
  "sql": "SELECT * FROM eligibility_rules WHERE line='AUTO' AND tier_id IN ('AUTO:PINE','AUTO:EVERGREEN','AUTO:SEQUOIA','AUTO:SAPLING') AND state='NJ'"
}

{
  "rows": [
    {
      "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."
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ quote({"line":"AUTO","tier":"PINE","region":"R-NE","state":"NJ","term_months":12,"p…)

{
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-NE",
    "state": "NJ",
    "term_months": 12,
    "peico_risk": 784,
    "age": 53,
    "billing_plan": "AUTOPAY_MONTHLY",
    "autopay": true,
    "paperless": true,
    "loyalty_tier": "Timber",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [
      "BI",
      "COLL",
      "COMP",
      "PD"
    ],
    "driver_age": 53,
    "annual_miles": 11000,
    "vehicle_age": 4,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
  "base_premium_cents": 99466,
  "final_premium_cents": 78355,
  "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:driver_age",
      "detail": "driver_age=53 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 117000
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=784 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 98280
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=11000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 98280
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=4 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 98280
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 93366
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 95866
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 99466
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 87530
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 85030
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 82479
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 78355
    }
  ]
}

For New Jersey, the lowest tier available to you is AUTO:PINE (“Pine”). (Your requested “bare-bones” AUTO:SAPLING is not eligible in NJ per our underwriting rules.)

Cheapest-tier premium for you (quoted)

If your policy were moved to AUTO:PINE (keeping your other rating inputs the same, rated as of 2025-06-01):

Estimated premium: $783.55
(from $1,145.57 currently on AUTO:EVERGREEN)

If you’d like, I can also quote AUTO:PINE with coverage reductions (e.g., dropping optional coverages where allowed) to see how much lower we can go—just tell me how aggressive you want to be (minimal changes vs. maximum reduction).

136k in · 824 out · $0.0065 · 16.3s

Customer

That's really helpful. So I'd be looking at around $362 a month savings just by dropping down to Pine—that's a big difference. I'm going to take some time to think about what coverages I actually need versus what I'm paying for. I don't want to make any changes today, but this gives me a good sense of what's possible. Thanks so much for walking me through this.

Agent

You’re welcome, Eleanor — I’m glad the numbers help.

And yes, based on the quote I pulled, your premium would drop from $1,145.57 to $783.55, which is about $362/month savings on a 12‑month basis (the system’s term basis).

Whenever you’re ready, tell me what coverage changes you want (or how “bare-bones” you want to go), and I’ll help you compare options and price the result. Thanks again for calling PEICO!

14k in · 113 out · $0.0023 · 1.7s