Context: Now my plan is still the same ( liability ) but my monthly payment has lowered to just a few cents above $ 78.00 a month . So basically I ' m saving $ 30 a month compared to what I used to pay . Honestly I was n't expecting that big of a drop .

Question: How was this person able to lower his monthly payments ?
Options:
0. This person dropped his insurance coverage .
1. This person called his insurance agent and asked to have his bill lowered .
2. None of the above choices .
3. This person increased his deductible on his insurance .
Answer: 1

Question: Why was the person not expecting his bill to be lowered so much ?
Options:
0. Normally insurance companies will not drop their price without a change in coverage .
1. This person thought his insurance company was had nosed negotiators .
2. This person was expecting a rate hike instead .
3. None of the above choices .
Answer: 0