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 .

Based on the preceding passage, choose your answer for question Why was the person not expecting his bill to be lowered so much ?
OPTIONS:
(a). Normally insurance companies will not drop their price without a change in coverage ..
(b). This person thought his insurance company was had nosed negotiators ..
(c). This person was expecting a rate hike instead ..
(d). None of the above choices ..
The answer is:
(a).