The problem is: the result of 25 / 100 or 50 / 100 is 0, in C# and similar languages (C, C++, ...).
Why?
In C#, when you divide an integer (int, long, etc.) by an integer, the decimal section is truncated - 0.25 becomes 0.
So, there are some solutions:
1) Simply write 0.25 (or 0.5) in your code:
if (dUIAnswer == "yes" || dUIAnswer == "ya")
{
    quote += 0.25 * quote;            
}
if (coverageType == "full coverage")
    quote += 0.5 * quote; ;
return quote;
2) Convert one of the numebrs to double or to float, by attaching it the postfix D (for double) or F (for float), or by adding to it an .0 at the end (which does it a double), or by casting it with (<type>):
if (dUIAnswer == "yes" || dUIAnswer == "ya")
{
    quote += (25.0 / 100D) * quote;            
}
if (coverageType == "full coverage")
    quote += ((float)50 / 100) * quote; ;
return quote;
(You also can convert it to decimal, explicitly or by attaching M as postfix).