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# For most consumers, the price of automobile insurance

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For most consumers, the price of automobile insurance [#permalink]

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28 Aug 2009, 06:30
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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 is
[Reveal] Spoiler:
C

304. For many people, household labor remains demanding even if able to afford household appliances their grandparents would find a miracle.
(A) even if able to afford household appliances their grandparents would find a miracle
(B) despite being able to afford household appliances their grandparents would find a miracle
(C) even if they can afford household appliances their grandparents would have found miraculous
(D) although they could afford household appliances their grandparents would find miraculous
(E) even if they are able to afford household appliances which would have been a miracle to their grandparents

OA is
[Reveal] Spoiler:
C

These Questions are from SC1000
Can someone please explain when to use even though, even if, although and despite..Greatly appreciate the help.

Thanks!!
If you have any questions
you can ask an expert
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Re: Even if, although, despite - when to use each? [#permalink]

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30 Aug 2009, 09:18
Yesss!
Some help with this stuff!!!
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Re: Even if, although, despite - when to use each? [#permalink]

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30 Aug 2009, 11:08
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I'm copying this directly from my notes, shoot back if you need more information, I'll search it. I hope somebody has a better explanation

# Even if vs Even though

1. Even if - means whether or not and has to do with the conditions that may apply. Even if is used as a conjunction.(even though cannot act as a conjunction).
1. Even if I had time, I wouldn't watch that programme.
2. Even if Mark told the truth, I wouldn't believe him.
2. Even though - Even though means despite the fact that and is a more emphatic version of though and although. It is primarily concesive
1. Even though I had time, I didn't watch that programme
2. Even though Mark told the truth, I didn't believe him.
3. The differences can be appreciated in this sentence
1. I'm going out, even if it rains
2. I'm going out, even though it's going to rain
1. We do not know whether it will rain or not in (1) so we use even if
2. In (2) we know that it is going to rain but we are going out anyway

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

you need a subject after even if to complete the sentence.

(B) despite being

this modifies the price of automobile insurance so should be close to the noun it modifies

(C) even if they are

Correct. Mainly option A but adding the subject

(D) although they may be

I think this is grammatically correct, perhaps are instead of may be. The main problem with this sentence is that changes the meaning of the original.

(E) even if remaining
subject problem.

The other question present the same problems. Anyway I think you need to add "that" between appliances and parents if you want C to be the correct answer choice.
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Re: Even if, although, despite - when to use each? [#permalink]

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30 Aug 2009, 12:15
mikeCoolBoy wrote:
I'm copying this directly from my notes, shoot back if you need more information, I'll search it. I hope somebody has a better explanation

# Even if vs Even though

1. Even if - means whether or not and has to do with the conditions that may apply. Even if is used as a conjunction.(even though cannot act as a conjunction).
1. Even if I had time, I wouldn't watch that programme.
2. Even if Mark told the truth, I wouldn't believe him.
2. Even though - Even though means despite the fact that and is a more emphatic version of though and although. It is primarily concesive
1. Even though I had time, I didn't watch that programme
2. Even though Mark told the truth, I didn't believe him.
3. The differences can be appreciated in this sentence
1. I'm going out, even if it rains
2. I'm going out, even though it's going to rain
1. We do not know whether it will rain or not in (1) so we use even if
2. In (2) we know that it is going to rain but we are going out anyway

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

you need a subject after even if to complete the sentence.

(B) despite being

this modifies the price of automobile insurance so should be close to the noun it modifies

(C) even if they are

Correct. Mainly option A but adding the subject

(D) although they may be

I think this is grammatically correct, perhaps are instead of may be. The main problem with this sentence is that changes the meaning of the original.

(E) even if remaining
subject problem.

The other question present the same problems. Anyway I think you need to add "that" between appliances and parents if you want C to be the correct answer choice.

Mike,your notes look great...did you compile them?
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Re: Even if, although, despite - when to use each? [#permalink]

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30 Aug 2009, 12:25
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yes, I compile my notes from all the resources I find/have.
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Re: Even if, although, despite - when to use each? [#permalink]

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31 Aug 2009, 06:54
Thanks a lot Mike! for the clear explanation on how/when to use even if and even though

However I am still confused about despite, instead of, although..
Any pointers?

Thanks!!
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Re: Even if, although, despite - when to use each? [#permalink]

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31 Aug 2009, 07:18
Both answers are C?
307)
(A) 'even if' should be followed by subject and verb, but in this sentence the subordinate clause pertains no subject and verb. (In formal grammar, subject and verb can be omitted, but that case cannot be considered in this sentence because the subject of the main clause is not the same as that of subordinate clause, and if I don't miss, I haven't seen the sentence in which subject and verb are omitted is right answer on GMAT problem)
(B) same case as A. The subject in main clause is not same as that of the subordinate, so it cannot be omitted, and 'despite being' is wordy and awkward.
(C) 'They' clearly refers to antecedent 'most customers' because most customers are only plural in this sentence.
(D) 'Although' distorts its meaning.
(E) 'even if' needs subject and verb.

304) C for the same reason as 307.
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Re: Even if, although, despite - when to use each? [#permalink]

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11 Nov 2009, 12:27
But if 'they' in option C refers to consumers,how can consumers be free of damage claims and moving violations.

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Re: Even if, although, despite - when to use each? [#permalink]

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11 Nov 2009, 14:34
in # 304- What is wrong with "E" ? I know it is a bit wordy but I don't see any other mistakes.In "C".. is the use of "miraculous" correct?
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Re: Even if, although, despite - when to use each? [#permalink]

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12 Nov 2009, 02:13
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Casinoking wrote:
in # 304- What is wrong with "E" ? I know it is a bit wordy but I don't see any other mistakes.In "C".. is the use of "miraculous" correct?

I think the main problem with option E is the verb tense.

appliances which would have been a miracle to their grandparents

First you should use that instead of which but this is a small issue.
The intended meaning of the sentence is that the household appliances would be a miracle to the grandparents now. If you modify the verb tense for would have been, you change the tense to the past, saying that the current appliances could have been a miracle to the grandparents in the past.

I hope sb can explain it better.
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Re: Even if, although, despite - when to use each? [#permalink]

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12 Nov 2009, 11:31
mikeCoolBoy wrote:
Casinoking wrote:
in # 304- What is wrong with "E" ? I know it is a bit wordy but I don't see any other mistakes.In "C".. is the use of "miraculous" correct?

I think the main problem with option E is the verb tense.

appliances which would have been a miracle to their grandparents

First you should use that instead of which but this is a small issue.
The intended meaning of the sentence is that the household appliances would be a miracle to the grandparents now. If you modify the verb tense for would have been, you change the tense to the past, saying that the current appliances could have been a miracle to the grandparents in the past.

I hope sb can explain it better.

Thank you mikeCoolBoy.I thought the author intended to say that the appliances would have been a miracle to grandparents (i.e in the past). You pointed out the subtle difference clearly. +1 to you for explaining.
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Re: Even if, although, despite - when to use each? [#permalink]

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12 Nov 2009, 11:52
you're welcome. The intended meaning of the sentence always comes in option A, unless that meaning makes no sense.
thank you for the kudos
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Re: Even if, although, despite - when to use each? [#permalink]

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19 Jun 2010, 05:53
ggmatt wrote:
But if 'they' in option C refers to consumers,how can consumers be free of damage claims and moving violations.

Same issue here.
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Re: Even if, although, despite - when to use each? [#permalink]

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02 Jul 2010, 08:40
seekmba wrote:
C and C for me.

wow, your contribution really helped...
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Re: Even if, although, despite - when to use each? [#permalink]

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20 Jul 2010, 08:56
Actually "For most consumers", since it is a prepositional phrase, cannot be a subject.
"they" in C has no antecedent.
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Re: Even if, although, despite - when to use each? [#permalink]

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27 Sep 2010, 08:01
Awsome explaination Mike..
Kudos for u...
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Re: Even if, although, despite - when to use each? [#permalink]

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20 Jan 2013, 04:31
ggmatt wrote:
But if 'they' in option C refers to consumers,how can consumers be free of damage claims and moving violations.

Same question ... please clarify ...
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Re: For most consumers, the price of automobile insurance [#permalink]

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07 Nov 2014, 05:55
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Re: For most consumers, the price of automobile insurance [#permalink]

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07 Nov 2014, 08:38
roopika2990 wrote:
ggmatt wrote:
But if 'they' in option C refers to consumers,how can consumers be free of damage claims and moving violations.

Same question ... please clarify ...
Hi roopika,

The SC 1000 is considered an unreliable source, so it's quite possible that this is simply a questionable problem. I'm inclined to agree: a customer's record may be free of claims and violation, but I'm not sure it makes sense for a customer to be free in this way.

But as for the main question in the (very old!) original post, I think mike covered it. Use even if to indicate that something which may or may not happen irrelevant or unimportant to the final outcome--"I wouldn't do it even if you paid me a million dollars!" (you might offer me a million dollars, but I still won't do it.)

Use even though or although to indicate something that has happened or will happen is irrelevant to the question--"I won't do it even though you've offered me a million dollars!" (you have already made an offer to pay me one million dollars, but I still won't do it)

Despite means the same thing as although; however, they follow different grammatical rules. Although is followed by a subordinate clause; despite is followed by a noun or gerund.

Hope this helps!
Re: For most consumers, the price of automobile insurance   [#permalink] 07 Nov 2014, 08:38
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