The reason they offered you $1,000 off is because most insurance plans offer better pricing to the end user (us) UNLESS there is a promo going on. The funny thing is, most places I looked at are constantly running promos. For example, my insurance would give me 15% off. Normal pricing was $5200, but they always run a "sale" of $400 off, so my insurance said I didn't qualify for the 15% off.