The commercial says if you're a current or new policy holder that your insurance payment is to be reduced by 15%. What it is that they do is give you the 15% discount for your last payment before time to renew your policy. That's why my last payment before having the policy being renewed was less than $25. Slick trick to get someone to sign up. I thought the discount would be for each months payment that way. Not actually complaining because what I pay each month for full coverage is really a good price. Just giving a heads up. Of course at the end paying less then $25 was great instead of over $200.