Which of the following statements about the factors affecting automobile insurance rates is true?

Young unmarried male drivers tend to have fewer accidents than young married male drivers in the same age category.

Because of high speeds in rural areas, rural drivers tend to pay more for auto insurance than city drivers pay for auto insurance.

The cost of collision coverage increases as a car gets older.

People who drive a car to and from work tend to be charged higher rates than those who use a car for pleasure purposes.