If the market for auto insurance is a non-cooperative oligopoly with a heterogeneous product, then which statement is likely correct? 

Sellers would not compete at all because competition would reduce their profits. 

Sellers would compete with their rivals only if government anti-trust laws force them to do so. 

Sellers would engage in both price competition and non-price competition. 

Sellers would avoid price competition but engage in less costly non-price competition. 

Sellers would engage in price competition but avoid more costly non-price competition.