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, answer the following question Why was the person not expecting his bill to be lowered so much ?
Normally insurance companies will not drop their price without a change in coverage .