Like so:

“Insurance companies are very good at evaluating risk factors and setting their premiums appropriately,”

And:

“If this were done, the private insurance market would quickly and efficiently make it prohibitively expensive for people with a record of irresponsible ownership of guns to possess them legally,” Nelson Lund, the Patrick Henry professor of Constitutional Law and the Second Amendment at George Mason University School of Law. wrote in the 1987 article, “but would not impose unreasonable burdens on those who have the self-discipline to exercise their liberty in a responsible fashion.”