Read the following context and answer the question.
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 ?
Answer:


This person called his insurance agent and asked to have his bill lowered .