@article{ref1,
title="Controlling Automobile Insurance Costs",
journal="Journal of economic perspectives",
year="1992",
author="Cummins, J. David and Sharon Tennyson, ",
volume="6",
number="2",
pages="95-115",
abstract="<p>[Abstract unavailable]</p>",
language="",
issn="0895-3309",
doi="",
url="http://dx.doi.org/"
}