Final answer:
To reduce Bai Yang's auto insurance premiums, the best option is to bundle her auto insurance with her home insurance. This could provide a discount and lead to lower monthly payments. The other options are likely to increase her premiums.
Step-by-step explanation:
To reduce Bai Yang's monthly auto insurance premiums, she should consider bundling her auto insurance with her home insurance (option c). This process, known as bundling or multi-policy discount, can lead to substantial savings as many insurance companies offer discounts when you purchase multiple insurance policies from them. It's a strategic way to manage insurance costs effectively.
On the other hand, increasing coverage limits (option a) would typically raise premiums, as you're asking the insurer to take on more risk. Adding additional drivers (option b) can also increase premiums, especially if those drivers are considered high-risk or have poor driving records. Filing more claims (option d) would not reduce premiums either; in fact, it might lead to higher rates due to an increased perceived risk of insuring the policyholder.