We set our thermostat to 66, that's pretty toasty in my book. When we bought our first (and only) place, we were able to negotiate a discount from our agent. We had access to a discount program through another agency due to our USAA membership. I mentioned to our broker that we had another alternative but would really like to work with her, would she consider a discount. My recollection is that she kicked 20% of her fee back to us.