Your friend Brad Brooks tells you about his plans to upgrade his auto insurance. Specifically, he would like to add several types of coverage to his policy, such as uninsured motorist coverage and rental car coverage. Recall that Brad is $30$ years old. His driving

record includes several speeding tickets and two accidents $($one of which he caused$).$He realizes that adding coverage will increase the cost of his insurance. Therefore, he is thinking about switching to a less expensive insurance company.

$1.$ Regarding Brad$$s auto insurance decision, comment on the following:

a$.$ His plan to add different types of coverage to his auto insurance policy

b$.$ The associated costs of adding different types of coverage to his auto insurance policy

c$.$ Any possible negative consequences of switching to a less expensive auto insurance company

d$.$ The importance of the credit rating of an insurance company