← GPT-5.4 (none)

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 · 9 turns · 49s · $0.10 · 108k tok in

Verdicts

DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly explained Sapling is unavailable in NJ due to minimum liability limits, identified Pine as the lowest available tier, provided quotes/comparisons without making any unauthorized changes, and the customer explicitly did not commit to any change which the rep respected.

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 looking to lower my auto insurance premium, and I heard PEICO has a really basic, bare-bones tier. I'm wondering if I could switch down to something like that to cut costs.

Agent
⚙ search_kb(auto tiers basic bare-bones retired grandfathered sellable downgrade eligibil…)
{
  "query": "auto tiers basic bare-bones retired grandfathered sellable downgrade eligibility",
  "limit": 5
}
{
  "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-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"
    },
    {
      "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- …"
    }
  ]
}
⚙ get_doc(KB-AUTO-TIERS)
{
  "doc_id": "KB-AUTO-TIERS"
}
{
  "doc_id": "KB-AUTO-TIERS",
  "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
  "category": "POLICY",
  "applies_to": "{\"lines\": [\"AUTO\"]}",
  "body_md": "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"
}
⚙ get_doc(KB-HERITAGE)
{
  "doc_id": "KB-HERITAGE"
}
{
  "doc_id": "KB-HERITAGE",
  "title": "Heritage tier (retired 2009) — do not drop without disclosure",
  "category": "UNDERWRITING",
  "applies_to": "{\"lines\": [\"AUTO\"]}",
  "body_md": "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 combination\npermanently**. Disclose the downgrade trap before any tier change off Heritage.\n"
}
⚙ get_doc(KB-NE-MIN-LIMITS)
{
  "doc_id": "KB-NE-MIN-LIMITS"
}
{
  "doc_id": "KB-NE-MIN-LIMITS",
  "title": "NY/NJ minimum auto liability limits",
  "category": "COMPLIANCE",
  "applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
  "body_md": "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"
}
⚙ query_db(SELECT tier_id, line, code, label, position, sellable, retired_on, notes FROM…)
{
  "sql": "SELECT tier_id, line, code, label, position, sellable, retired_on, notes FROM tiers WHERE line = 'AUTO' ORDER BY position ASC"
}
{
  "rows": [
    {
      "tier_id": "AUTO:HERITAGE",
      "line": "AUTO",
      "code": "HERITAGE",
      "label": "Heritage",
      "position": 0,
      "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)."
    },
    {
      "tier_id": "AUTO:SAPLING",
      "line": "AUTO",
      "code": "SAPLING",
      "label": "Sapling",
      "position": 1,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "AUTO:PINE",
      "line": "AUTO",
      "code": "PINE",
      "label": "Pine",
      "position": 2,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "line": "AUTO",
      "code": "EVERGREEN",
      "label": "Evergreen",
      "position": 3,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "line": "AUTO",
      "code": "SEQUOIA",
      "label": "Sequoia",
      "position": 4,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    }
  ],
  "row_count": 5,
  "truncated": false
}

Yes — for auto, the lowest current tier is Sapling, which is basically PEICO’s most stripped-down option.

A couple of important caveats:

  • Sapling is not available in NY or NJ because state minimum liability rules are higher there.
  • If your current policy is on the old Heritage tier, that’s a special retired tier. You can move off it, but you’d permanently lose a coverage combination that can’t be restored later, so I’d want to flag that before making any change.

In general, moving down to a lower tier can reduce premium, but it also usually means:

  • lower liability limits,
  • higher deductibles,
  • and fewer included coverages.

If you want, I can check your current auto policy and tell you:

  1. what tier you’re on now,
  2. whether Sapling or Pine is available for you,
  3. and what the premium would look like if you stepped down.

If you’d like me to look it up, send me enough to find your account — for example your full name and either your date of birth, phone number, email, or policy number.

16k in · 407 out · $0.02 · 11.4s
Customer

Okay, that's really helpful context — thanks. So Sapling isn't available in New Jersey, got it. I'm in Hoboken, so that makes sense. Yeah, go ahead and check my account. It's Eleanor Whitfield, and my email on file is eleanor.whitfield@example.com.

Agent
⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.email, c.dob, a.city, a.state,…)
{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.email, c.dob, a.city, a.state, p.policy_id, p.line, p.status, p.tier_id, p.effective_date, p.expiration_date, p.final_premium_cents FROM customers c LEFT JOIN addresses a ON c.address_id = a.address_id LEFT JOIN policies p ON p.cust_id = c.cust_id AND p.line = 'AUTO' WHERE c.first_name = 'Eleanor' AND c.last_name = 'Whitfield' AND c.email = 'eleanor.whitfield@example.com' ORDER BY p.created_at DESC"
}
{
  "rows": [
    {
      "cust_id": "CUST-ne-auto-pref",
      "first_name": "Eleanor",
      "last_name": "Whitfield",
      "email": "eleanor.whitfield@example.com",
      "dob": "1971-05-22",
      "city": "Hoboken",
      "state": "NJ",
      "policy_id": "POL-ne-auto-pref-p_auto",
      "line": "AUTO",
      "status": "ACTIVE",
      "tier_id": "AUTO:EVERGREEN",
      "effective_date": "2025-01-10",
      "expiration_date": "2026-01-10",
      "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 t.tier_id, t.code, t.label, t.sellable, t.retired_on FROM tiers t WHER…)
{
  "sql": "SELECT t.tier_id, t.code, t.label, t.sellable, t.retired_on FROM tiers t WHERE t.line = 'AUTO' AND t.code IN ('PINE','SAPLING') ORDER BY t.position"
}
{
  "rows": [
    {
      "tier_id": "AUTO:SAPLING",
      "code": "SAPLING",
      "label": "Sapling",
      "sellable": 1,
      "retired_on": null
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "PINE",
      "label": "Pine",
      "sellable": 1,
      "retired_on": null
    }
  ],
  "row_count": 2,
  "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 state = 'NJ' AND (tier_id IN ('AUTO:PINE','AUTO:SAPLING') OR tier_id IS NULL) AND date('2025-06-01') BETWEEN date(effective_start) AND date(COALESCE(effective_end,'2999-12-31')) ORDER BY tier_id, coverage_id"
}
{
  "rows": [],
  "row_count": 0,
  "truncated": false
}
⚙ query_db(SELECT pc.policy_id, c.code, c.label, pc.value, pc.premium_contribution_cents…)
{
  "sql": "SELECT pc.policy_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-ne-auto-pref-p_auto' ORDER BY c.code"
}
{
  "rows": [
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "value": "10000000/30000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "code": "COLL",
      "label": "Collision",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "code": "COMP",
      "label": "Comprehensive",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "code": "MED",
      "label": "Medical Payments",
      "value": "500000",
      "premium_contribution_cents": 4500
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "code": "PD",
      "label": "Property Damage Liability",
      "value": "10000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "value": "90000",
      "premium_contribution_cents": 3000
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "value": "10000000/30000000",
      "premium_contribution_cents": 11000
    }
  ],
  "row_count": 7,
  "truncated": false
}
⚙ query_db(SELECT tcd.tier_id, c.code, c.label, tcd.included, tcd.default_value, tcd.edi…)
{
  "sql": "SELECT tcd.tier_id, c.code, c.label, tcd.included, tcd.default_value, tcd.editable FROM tier_coverage_defaults tcd JOIN coverages c ON c.coverage_id = tcd.coverage_id WHERE tcd.tier_id IN ('AUTO:PINE','AUTO:EVERGREEN') ORDER BY tcd.tier_id, c.code"
}
{
  "rows": [
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "included": 1,
      "default_value": "10000000/30000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "COLL",
      "label": "Collision",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "COMP",
      "label": "Comprehensive",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "GAP",
      "label": "Loan/Lease Gap",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "MED",
      "label": "Medical Payments",
      "included": 1,
      "default_value": "500000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "PD",
      "label": "Property Damage Liability",
      "included": 1,
      "default_value": "10000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "included": 1,
      "default_value": "90000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "ROAD",
      "label": "Roadside Assistance",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "included": 1,
      "default_value": "10000000/30000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "included": 1,
      "default_value": "5000000/10000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "COLL",
      "label": "Collision",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "COMP",
      "label": "Comprehensive",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "GAP",
      "label": "Loan/Lease Gap",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "MED",
      "label": "Medical Payments",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "PD",
      "label": "Property Damage Liability",
      "included": 1,
      "default_value": "5000000",
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "included": 0,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "ROAD",
      "label": "Roadside Assistance",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "AUTO:PINE",
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "included": 0,
      "default_value": "5000000/10000000",
      "editable": 1
    }
  ],
  "row_count": 20,
  "truncated": false
}
⚙ query_db(SELECT a.region, a.state FROM customers c JOIN addresses a ON a.address_id = …)
{
  "sql": "SELECT a.region, a.state FROM customers c JOIN addresses a ON a.address_id = c.address_id WHERE c.cust_id = 'CUST-ne-auto-pref'"
}
{
  "rows": [
    {
      "region": "R-NE",
      "state": "NJ"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ quote({"line":"AUTO","region":"R-NE","state":"NJ","term_months":12,"peico_risk":784…)
{
  "facts": {
    "line": "AUTO",
    "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": [
      "UMUIM"
    ],
    "driver_age": 53,
    "annual_miles": 11000,
    "vehicle_age": 4,
    "incidents_5yr": 0,
    "exposure_count": 1,
    "tier": "PINE"
  },
  "as_of": "2025-06-01"
}
{
  "as_of": "2025-06-01",
  "base_premium_cents": 110466,
  "final_premium_cents": 87276,
  "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": "COVERAGE",
      "code": "UMUIM",
      "detail": "+ UMUIM $110",
      "factor": null,
      "amount_cents": 11000,
      "running_cents": 104366
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 106866
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 110466
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 97210
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 94710
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 91869
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 87276
    }
  ]
}

I found your auto policy. You’re in New Jersey, and your current policy is:

  • Policy: POL-ne-auto-pref-p_auto
  • Status: Active
  • Current tier: Evergreen
  • Current premium: $1,145.57 for the term

And yes — because you’re in NJ, Sapling is not available. But Pine is available.

If you stepped down from Evergreen to Pine, based on your current facts, the premium would come out to about $872.76 for the term.

That’s a reduction of about $272.81.

Main coverage tradeoffs from Evergreen → Pine on your policy:

  • Bodily Injury liability drops from $100,000/$300,000 to $50,000/$100,000
  • Property Damage liability drops from $100,000 to $50,000
  • Collision deductible goes from $500 to $1,000
  • You would lose Medical Payments
  • You would lose Rental Reimbursement
  • UM/UIM can still remain on the policy

So yes, there is a meaningful savings path, but it comes with a pretty noticeable reduction in protection.

If you want, I can help you compare two options:

  1. full tier change to Pine, or
  2. keeping Evergreen but trimming optional coverages like Medical Payments and Rental Reimbursement first, to see whether that gives you enough savings without as much downgrade.
43k in · 1,090 out · $0.05 · 13.5s
Customer

That's really helpful — I appreciate the breakdown. The Pine tier does save me a decent amount, but honestly those coverage cuts are pretty steep. Let me ask — what would happen if I just dropped the Medical Payments and Rental Reimbursement from my Evergreen plan instead? Would that get me closer to where I want to be budget-wise?

Agent
⚙ quote({"line":"AUTO","region":"R-NE","state":"NJ","term_months":12,"peico_risk":784…)
{
  "facts": {
    "line": "AUTO",
    "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": [
      "UMUIM"
    ],
    "driver_age": 53,
    "annual_miles": 11000,
    "vehicle_age": 4,
    "incidents_5yr": 0,
    "exposure_count": 1,
    "tier": "EVERGREEN"
  },
  "as_of": "2025-06-01"
}
{
  "as_of": "2025-06-01",
  "base_premium_cents": 136608,
  "final_premium_cents": 108475,
  "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": "UMUIM",
      "detail": "+ UMUIM $110",
      "factor": null,
      "amount_cents": 11000,
      "running_cents": 130508
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 133008
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 136608
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 120215
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 117715
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 114184
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 108475
    }
  ]
}

Yes — I checked that scenario.

If you keep Evergreen and just remove:

  • Medical Payments
  • Rental Reimbursement

your premium would be about $1,084.75 for the term.

Compared with your current $1,145.57, that’s a savings of about $60.82.

So the rough comparison is:

  • Current Evergreen: $1,145.57
  • Evergreen without MED + RENT_REIMB: $1,084.75
  • Pine: $872.76

So removing just those two coverages helps a little, but it does not get you very close to the Pine price. Most of the bigger savings come from the lower liability limits and higher collision deductible in Pine.

If you want to stay closer to your current protection, a middle-ground option might be:

  • keep Evergreen,
  • remove Rental Reimbursement,
  • and/or raise deductibles if that’s something you’re open to.

If you want, I can walk through a couple of targeted lower-cost options from your current setup without actually changing anything yet.

23k in · 396 out · $0.02 · 4.7s
Customer

Thanks for running those numbers. Honestly, I think I need to sit with this and think it over. The Pine tier does save a lot, but those liability drops are making me nervous. The middle-ground stuff is helpful to know about too. I'm not ready to commit to anything today — I just wanted to explore what's possible and what the floor is. And now I know: Pine is the lowest available to me in Jersey, and that's roughly where the savings max out. That's exactly what I needed. Thanks so much for walking me through all this.

Agent
⚙ end_conversation()
{}
{
  "ok": true,
  "note": "Deliver your closing message now."
}

You’re very welcome — I’m glad I could help map out the options.

You’ve got it exactly right:

  • Sapling isn’t available in New Jersey
  • Pine is the lowest available tier for you
  • and it would bring your premium to about $872.76, with the tradeoffs we reviewed

Whenever you’re ready, I can help you compare a few smaller tweaks or make the change. Thanks for choosing PEICO, and have a great day.

25k in · 119 out · $0.0097 · 4.0s