At the beginning of year 1, your auto-insurance premium for the next year is $300. if you have 0 accidents in a year your premium for the next year drops 10 percent, if you have 1 accident in a year your premium for the next year increases10 percent, and if you have 2 accidents in a year your premium for the next year increases 30 percent. set up a spreadsheet that will determine the premium cost for years 1–30. (hint: # of accidents are up to you. idea is to create an if formula that will return the correct auto insurance premium in each year for any number of accidents.)