usually an auto insurer will adjust upwards the premium to the insured if he or she experiences accident/ damange/ violation of traffic rules in the previous year. This adjustment is based on the change of the actuarial assumption arising from the new informatio flow of the insured.
In the problem. if the driver is a 100% good driver, insurnace still gets more expensive - thus there is other reason for the price adjustment.
So C is definitely right. for D - may be is meaningless.
D is correct as 代词"they" refers to "damage claims and moving volations". "although"引导了一个倒装,可以这样来理解这个转折短语although damage claims and moving volations maybe free.逻辑上,price不是 free的,claims是free的。
A moving violation is any violation of the law committed by the driver of a vehicle while it is in motion. The term "motion" distinguishes it from other violations such as parking violations, equipment violations, or paperwork violations relating to insurance, registration, inspection, etc.