Ambiguous they

[lilmorethan740]

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

Will post Official Answer later. Pls give reasoning also.

[mchakrain]

Official Answer should be C

Here 'they' refers to customers who file the insurance claims.

[karmaholic]

Erin's explanation : http://www.urch.com/forums/showthread.php?t=5081 (For most consumers)

Another post : http://www.urch.com/forums/showthread.php?t=38397 (Automobile Insurance). This is not as comprehensive..but a discussion can be started.