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 .

Options are: 1. This person dropped his insurance coverage . 2. This person called his insurance agent and asked to have his bill lowered . 3. None of the above choices . 4. This person increased his deductible on his insurance .
Answer the following question: How was this person able to lower his monthly payments ?
2.