Renewals are considered to be a continuation of a policy and because of this, it will only allow you to extend the number of days of coverage. The policy maximum or deductible cannot be changed at the time of renewal. If you want, you can buy Patriot America Plus for you mother for a short time, and instead of renewing it, you can simply re-purchase the same policy again with a different deductible. This however, would be considered a new policy. This means that if you already satisfied your deductible during the first policy, you would still be responsible for a new deductible after buying a policy again. It is also important to note that anything that starts during the first policy period, would be considered a pre-existing condition for the new policy. It is better to buy one policy and renew it, rather than buying a new policy all over again.
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else