In order to determine automobile insurance premiums for a driver, insurance companies calculate various risk factors;...

Emil-Kunkin on June 2 at 11:21PM

The author is trying to prove that we should take the amount of driving into account when determining how much to charge for auto insurance. This is the main point, the author introduces us to how premiums are calculated, and then points out there is a factor we are not considering, and then concluded we should consider that factor.m