Hey {first_name}, 

It's been awhile! In my notes, I have your renewal coming up. I just wanted to let you know that I reworked your quote and was able to get your home insurance to ${price_quoted_-_home}/year with our full replacement cost policy; and, I went ahead and worked your auto quote and was able to get that for {price_quoted_-_auto}/6 mo.

Hopefully that'll yield a nice refund check.

How does that sound?