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I just need help calculating this part. do i just add 3 1 0 + 1 7 5 + 1 4 5 + 8 5

I just need help calculating this part. do i just add 310+175+145+85? what do I do with the 1.2 in the last chart?
(e) Rhianna is 22 years old. She buys 50/100/25 liability insurance, and collision and comprehensive
insurance, each with $500 deductibles. What is her total annual premium?
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