原格式成套题（原885）

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

(E) even if remaining

Could anybody explain to me why the answer is C. what does 'they are' refer to?? Does it refer to 'consumers'??

With its abundance of noun inflections, Icelandic is one of several Germanic languages that is compact when written but can lengthen considerably when translated into English.

(A) is compact when written but can lengthen considerably when translated into English

(B) are compact when they are written, but they can lengthen considerably when they are translated in English

(C) is compact when written but can lengthen considerably when being translated into English

(D) are compact when written but can lengthen considerably in English translation（D）

(E) is compact when it is written but can lengthen considerably when translated in English
Why choose D not A???