You are presented with the quiz "What can cause your insurance rates to skyrocket?" 

But you don't know the answer, so you turn to your teacher to ask for hints. He says that "being distracted while driving can cause people to crash their car" and "repairing a car after a crash will become prohibitively expensive, and insurance rates will skyrocket". 

So, what's the best answer to the question?


 

      being distracted while driving     