During a mid-year review of one of her large accounts, Annette noticed that the frequency and severity of auto losses had been trending downward over the past 18 months. When she consulted with the account's risk management team, she learned that the insured had installed telematics devices in many of their vehicles. This information would help support Annette's decision to Select one: A. Propose a premium increase at renewal time. B. Add a special endorsement to the policy. C. Propose a premium reduction at renewal time. D. Increase the physical damage deductible