Which of the following statements is not something you should be thinking when considering changes in your auto insurance policy? a. higher deductibles mean lower premiums but more out-of-pocket expense in the event of an accident. b. the premium you pay guarantees that you will never have to pay more than your deductible in the event of an accident. c. the more types of insurance you include in your policy, the more protected you are from financial loss in the event of an accident. d. lower coverage limits mean lower premiums but more restrictions on the insurance company when covering injuries and damage resulting from an accident.