and then you know if you didn't have a car that had one in it then your insurance would go up enormously
If you did not own a car with one, then the cost of your insurance would go up a lot.
mnli hypothesis: If you did not own a car with one, then the cost of your insurance would go up a lot. premise: and then you know if you didn't have a car that had one in it then your insurance would go up enormously