307. For most consumers, the price of automobile insurance continues to rise annually, even if free of damage claims and moving violations.
(A) even if
(B) despite being
(C) even if they are
(D) although they may be
(E) even if remaining

OA C

I chose B.

My reasoning
- despite "being" unambiguously refers to customers. i.e. B
- I did not find it idiomatic to say that customers(people) are free of claims.