The mean annual premium for automobile insurance in the united states is $1503 (insure. com website, march 6, 2014). being from pennsylvania you believe automobile insurance s cheaper there and wish to develop statistical support for your opinion. a sample of 25 automobile insurance policies from the state of pennsylvania showed a mean annual premium of $1440 with a standard deviation of s = $165.a. develop a hypothesis test that can be used to determine whether the mean annual premium in pennsylvania is lower than the national mean annual premium. b. what is a point estimate of the difference between the mean annual premium in pennsylvania and the national mean? c at a = .05, test for a significant difference. what is your conclusion?