For similar cars and drivers, automobile insurance for collision damage has always cost more in Greatport than in Fairmont. Police studies, however, show that cars owned by Greatport residents are, on average, slightly less likely to be involved in a collision than cars in Fairmont. Clearly, ttherefore, insurance companies are making a greater profit on collision-damage insurance in Greatport than in Fairmont.
Fairmont and Greatport are the cities with the highest collision-damage insurance rates is an assumption on which the argument depends.