再次求教大全SECTIONA NO8

8.                 For most consumers, the price of automobile insurance continues to rise annually, even if free of damage claims and moving violations.

(A) even if

(B) despite being

(C) even if they are

(D) although they may be（C）

(E) even if remaining

我怎么看这题也不应该是选C啊！THEY ARE 在句子里只能指代CONSUMERS但CONSUMERS FREE OF DAMAGE CLAIMS AND MOVING VIOLATIONS怎么解释啊，觉得不通啊。请高手指教！谢谢！

i c , thanks