Julie is moving from northern Manitoba to Winnipeg for her job Her insurance broker told her that it will now be more expensive to insure her car. a. State one reason that her insurance will be higher in Winnipeg. (1 mark) b. State one way that Julie could reduce her insurance premiums while remaining in Winnipeg? (1 mark) Sam has been involved in a car accident Explain if this will affect the cost of his Manitoba vehicle insurance. (1 mark )

##Step 1: Higher Insurance Costs in Winnipeg<br />###Winnipeg has a higher population density and traffic volume than northern Manitoba, leading to a greater likelihood of accidents and claims. Thus, insurance companies charge higher premiums to account for the increased risk.<br />##Step 2: Reducing Insurance Premiums<br />###Julie could increase her deductible, the amount she pays out-of-pocket before insurance coverage kicks in. A higher deductible lowers the risk for the insurance company, resulting in lower premiums. Alternatively, she could take a defensive driving course, which often qualifies drivers for discounts. Another option is to bundle her car insurance with other insurance policies (like home or renter's insurance) with the same company.<br />##Step 3: Impact of Accident on Sam's Insurance<br />###Being involved in a car accident, regardless of fault in some cases, will likely increase Sam's insurance premiums. Accidents increase the perceived risk for the insurance company, leading to higher premiums.<br /><br />#