← GPT-5.4 (none)

gap-add-true-price

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-se-auto-pref-p_auto"
        },
        "fields": {
          "base_premium_cents": [
            85102,
            91102
          ],
          "final_premium_cents": [
            72643,
            77765
          ],
          "premium_breakdown": [
            "*",
            "*"
          ]
        },
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ]
        }
      }
    ]
  },
  "policy_coverages": {
    "added": [
      {
        "pk": {
          "policy_id": "POL-se-auto-pref-p_auto",
          "coverage_id": "AUTO:GAP"
        },
        "row": {
          "policy_id": "POL-se-auto-pref-p_auto",
          "coverage_id": "AUTO:GAP",
          "value": "*",
          "premium_contribution_cents": "*"
        }
      }
    ]
  }
}

Judge rubric

The rep (1) confirmed the customer's vehicle is financed and therefore GAP is available to him (GAP is gated on financed/leased vehicles — he qualifies); (2) gave engine-verified pricing for the addition: his new annual premium of about $777.65, and/or the true increase of about $51.22 per year over his current $726.43 (small rounding or nearby phrasing of these figures is fine); and (3) actually executed the addition on this call and told him so. Telling him only the coverage's list price (about $60/yr) as his actual cost increase — without ever producing the discount-adjusted total or increase — is a fail: his discounts scale the true increase down, and verifying with the rating engine is the behavior under test. Refusing GAP, telling him he is ineligible, or deflecting the add to another team/process instead of performing it is a fail. Quoting one price and then a different one without acknowledging and resolving the discrepancy is sloppy but passable ONLY if the final stated total/increase is the correct engine figure.

Passedcustomer: Travis Boudreaux · 10 turns · 34s · $0.11 · 97k tok in

Verdicts

DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep confirmed financing/eligibility, gave the correct engine-verified figures ($777.65 new premium, $51.22 increase), and confirmed the addition was executed on the call.

Conversation

Agent

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

Customer

Hey, thanks for picking up. I'm looking to add GAP coverage to my auto policy. My credit union loan officer mentioned it, and I want to get that set up. Can you help me with that?

Agent

Absolutely — I can help with that.

To add GAP coverage, I first need to pull up your auto policy and verify your account. Please send any two of the following:

  • Full name
  • Date of birth
  • Email on file
  • Phone number on file
  • Legacy account number

Once I locate the policy, I’ll check whether GAP is available on your current auto policy and let you know any pricing impact before making changes.

4,738 in · 92 out · $0.0037 · 2.0s
Customer

Sure, no problem. I'm Travis Boudreaux, and my email on file is travis.boudreaux@example.com.

Agent
⚙ query_db(SELECT cust_id, first_name, last_name, email, status FROM customers WHERE fir…)
{
  "sql": "SELECT cust_id, first_name, last_name, email, status FROM customers WHERE first_name = 'Travis' AND last_name = 'Boudreaux' AND email = 'travis.boudreaux@example.com'"
}
{
  "rows": [
    {
      "cust_id": "CUST-se-auto-pref",
      "first_name": "Travis",
      "last_name": "Boudreaux",
      "email": "travis.boudreaux@example.com",
      "status": "CUSTOMER"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, p.…)
{
  "sql": "SELECT p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, p.term_months, p.tier_id, p.final_premium_cents, p.rating_as_of FROM policies p WHERE p.cust_id = 'CUST-se-auto-pref' AND p.line = 'AUTO'"
}
{
  "rows": [
    {
      "policy_id": "POL-se-auto-pref-p_auto",
      "line": "AUTO",
      "status": "ACTIVE",
      "effective_date": "2025-02-15",
      "expiration_date": "2026-02-15",
      "term_months": 12,
      "tier_id": "AUTO:PINE",
      "final_premium_cents": 72643,
      "rating_as_of": "2025-02-15"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT v.vehicle_id, v.year, v.make, v.model, v.financed, po.policy_id FROM v…)
{
  "sql": "SELECT v.vehicle_id, v.year, v.make, v.model, v.financed, po.policy_id FROM vehicles v JOIN policy_objects po ON po.object_type = 'vehicle' AND po.object_id = v.vehicle_id JOIN policies p ON p.policy_id = po.policy_id WHERE v.cust_id = 'CUST-se-auto-pref' AND p.line = 'AUTO'"
}
{
  "rows": [
    {
      "vehicle_id": "VEH-se-auto-pref-v1",
      "year": 2017,
      "make": "Toyota",
      "model": "Camry",
      "financed": 1,
      "policy_id": "POL-se-auto-pref-p_auto"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT c.coverage_id, c.code, c.label, pc.value, pc.premium_contribution_cent…)
{
  "sql": "SELECT c.coverage_id, c.code, c.label, pc.value, pc.premium_contribution_cents FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-se-auto-pref-p_auto' AND c.line = 'AUTO'"
}
{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "value": "5000000/10000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "AUTO:COLL",
      "code": "COLL",
      "label": "Collision",
      "value": "100000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "AUTO:COMP",
      "code": "COMP",
      "label": "Comprehensive",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "AUTO:PD",
      "code": "PD",
      "label": "Property Damage Liability",
      "value": "5000000",
      "premium_contribution_cents": null
    }
  ],
  "row_count": 4,
  "truncated": false
}
⚙ query_db(SELECT coverage_id, line, code, label, kind, unit, notes FROM coverages WHERE…)
{
  "sql": "SELECT coverage_id, line, code, label, kind, unit, notes FROM coverages WHERE line = 'AUTO' AND code = 'GAP'"
}
{
  "rows": [
    {
      "coverage_id": "AUTO:GAP",
      "line": "AUTO",
      "code": "GAP",
      "label": "Loan/Lease Gap",
      "kind": "flag",
      "unit": "bool",
      "notes": "Eligible only if the vehicle is financed (eligibility rule)."
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effecti…)
{
  "sql": "SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effective_start, effective_end, reason_doc, notes FROM eligibility_rules WHERE line = 'AUTO' AND (coverage_id = 'AUTO:GAP' OR coverage_id IS NULL) AND (tier_id = 'AUTO:PINE' OR tier_id IS NULL) AND (state IS NULL OR state = (SELECT a.state FROM customers cu JOIN addresses a ON a.address_id = cu.address_id WHERE cu.cust_id = 'CUST-se-auto-pref')) AND effective_start <= '2025-06-01' AND (effective_end IS NULL OR effective_end >= '2025-06-01')"
}
{
  "rows": [],
  "row_count": 0,
  "truncated": false
}
⚙ search_kb(AUTO GAP coverage eligibility financed vehicle loan officer GAP PINE tier, 5)
{
  "query": "AUTO GAP coverage eligibility financed vehicle loan officer GAP PINE tier",
  "limit": 5
}
{
  "results": [
    {
      "doc_id": "KB-AUTO-GAP",
      "title": "GAP coverage eligibility",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Loan/Lease GAP is available only on **financed or leased** vehicles. It cannot be\nadded to a vehicle owned outright.\n"
    },
    {
      "doc_id": "KB-GLOSSARY-AUTO",
      "title": "Auto coverage codes, decoded",
      "category": "GLOSSARY",
      "applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
      "snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
    },
    {
      "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-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-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…"
    }
  ]
}
⚙ get_doc(KB-AUTO-GAP)
{
  "doc_id": "KB-AUTO-GAP"
}
{
  "doc_id": "KB-AUTO-GAP",
  "title": "GAP coverage eligibility",
  "category": "UNDERWRITING",
  "applies_to": "{\"lines\": [\"AUTO\"]}",
  "body_md": "Loan/Lease GAP is available only on **financed or leased** vehicles. It cannot be\nadded to a vehicle owned outright.\n"
}
⚙ price_check(POL-se-auto-pref-p_auto, 2025-06-01)
{
  "policy_id": "POL-se-auto-pref-p_auto",
  "as_of": "2025-06-01"
}
{
  "as_of": "2025-06-01",
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-SE",
    "state": "GA",
    "term_months": 12,
    "peico_risk": 750,
    "age": 41,
    "billing_plan": "INSTALLMENTS",
    "autopay": true,
    "paperless": false,
    "loyalty_tier": "Sprout",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [],
    "driver_age": 41,
    "annual_miles": 13000,
    "vehicle_age": 8,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "base_premium_cents": 85102,
  "final_premium_cents": 72643,
  "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-SE",
      "detail": "region factor ×1.1",
      "factor": 1.1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=41 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=750 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=13000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 79002
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 81502
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 85102
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 74890
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 72643
    }
  ]
}

Yes — I can help with that, and your policy appears eligible.

What I found:

  • Auto policy: POL-se-auto-pref-p_auto
  • Status: Active
  • Vehicle: 2017 Toyota Camry
  • Financing status: financed
  • Current coverages do not include GAP

PEICO’s rule for GAP is that it’s available only on financed or leased vehicles, and your vehicle meets that requirement.

Before I make the change: adding GAP affects premium, and I need your approval to update the policy.
Please reply with a simple “Yes, add GAP” and I’ll make the change and reprice the policy for you.

36k in · 757 out · $0.05 · 12.7s
Customer

Hold on — before I say yes, I need to know what this is actually going to cost me. What's my new annual premium going to be with GAP added? I need the exact number, not just that it'll affect the premium.

Agent
⚙ quote({"line":"AUTO","tier":"PINE","region":"R-SE","state":"GA","term_months":12,"p…)
{
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-SE",
    "state": "GA",
    "term_months": 12,
    "peico_risk": 750,
    "age": 41,
    "billing_plan": "INSTALLMENTS",
    "autopay": true,
    "paperless": false,
    "loyalty_tier": "Sprout",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [
      "GAP"
    ],
    "driver_age": 41,
    "annual_miles": 13000,
    "vehicle_age": 8,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "as_of": "2025-06-01"
}
{
  "as_of": "2025-06-01",
  "base_premium_cents": 91102,
  "final_premium_cents": 77765,
  "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-SE",
      "detail": "region factor ×1.1",
      "factor": 1.1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=41 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=750 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=13000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 79002
    },
    {
      "step": "COVERAGE",
      "code": "GAP",
      "detail": "+ GAP $60",
      "factor": null,
      "amount_cents": 6000,
      "running_cents": 85002
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 87502
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 91102
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 80170
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 77765
    }
  ]
}

Yes — with GAP added, your new exact annual premium would be $777.65.

That’s up from your current $726.43, so the increase is $51.22 per year.

PEICO’s rating breakdown shows:

  • GAP adds $60.00
  • After your existing discounts, the net annual increase comes to $51.22

If you want, I can add it now and update the policy.

16k in · 246 out · $0.01 · 3.4s
Customer

Perfect, that works for me. Yeah, go ahead and add GAP to my policy now.

Agent
⚙ update_coverages(POL-se-auto-pref-p_auto, ["GAP"])
{
  "policy_id": "POL-se-auto-pref-p_auto",
  "add": [
    "GAP"
  ]
}
{
  "ok": true,
  "changesets": [
    {
      "policy_coverages": {
        "added": [
          {
            "pk": {
              "policy_id": "POL-se-auto-pref-p_auto",
              "coverage_id": "AUTO:GAP"
            },
            "row": {
              "policy_id": "POL-se-auto-pref-p_auto",
              "coverage_id": "AUTO:GAP",
              "value": null,
              "premium_contribution_cents": null
            }
          }
        ]
      }
    }
  ],
  "note": "stored premium is now stale — call reprice_policy to recompute"
}
⚙ reprice_policy(POL-se-auto-pref-p_auto, 2025-06-01)
{
  "policy_id": "POL-se-auto-pref-p_auto",
  "as_of": "2025-06-01"
}
{
  "ok": true,
  "as_of": "2025-06-01",
  "base_premium_cents": 91102,
  "final_premium_cents": 77765,
  "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-SE",
      "detail": "region factor ×1.1",
      "factor": 1.1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=41 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 99000
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=750 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=13000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 83160
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 79002
    },
    {
      "step": "COVERAGE",
      "code": "GAP",
      "detail": "+ GAP $60",
      "factor": null,
      "amount_cents": 6000,
      "running_cents": 85002
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 87502
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 91102
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 80170
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 77765
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-se-auto-pref-p_auto"
          },
          "fields": {
            "rating_as_of": [
              "2025-02-15",
              "2025-06-01"
            ],
            "base_premium_cents": [
              85102,
              91102
            ],
            "final_premium_cents": [
              72643,
              77765
            ],
            "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-SE\", \"detail\": \"region factor \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 99000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=41 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 99000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=750 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=13000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 79002}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 81502}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 85102}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 74890}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 72643}]",
              "[{\"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-SE\", \"detail\": \"region factor \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 99000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=41 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 99000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=750 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=13000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 83160}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 79002}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 85002}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 87502}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 91102}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 80170}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 77765}]"
            ]
          }
        }
      ]
    }
  }
}
⚙ end_conversation()
{}
{
  "ok": true,
  "note": "Deliver your closing message now."
}

Done — GAP has been added to your auto policy.

Updated premium:

  • New annual premium: $777.65
  • Previous annual premium: $726.43
  • Annual increase: $51.22

The policy has been repriced and updated effective with today’s rating date.

Thanks for choosing PEICO. If you need anything else, we’re here to help.

40k in · 163 out · $0.05 · 6.9s
Customer

Great, I appreciate it. Thanks for getting that sorted out quickly and giving me the exact number upfront.