We need to know what each of the 4 parameters (a,b,c, and d) does to the cosine function. It is often useful to think of these in terms of transformations, 2 vertical, 2 horizontal.
Let's begin with d, which causes a shift up or down, which we call the average value of the cosine function. It is the average of the highest y-value and the lowest y-value, which are 6 and 3. So d = 4.5.
The other parameter that transforms the function vertically, a stretch or shrink, is a, which we call the amplitude. It controls how far away up or down the y-values get from the average value, d. Because we know already d = 4.5, it is easy to see that a = 1.5. a can be calculated by (highest y-value - lowest y-value) / 2.
c controls a horizontal shift left or right, called a phase shift for sinusoidal functions. An untransformed cosine function starts at its peak when t = 0. This one has a peak when t = 3, so c = 3 (it will look like - 3 when we write the function, because we want to shift the graph 3 to the right).
Lastly, b is the horizontal stretch or shrink, and it controls the period of the sinusoid in the following way period = 2π / b or, since we know period and want b, b = 2π / period. The period here is 12 months, so b = 2π/12 = π/6
Let t: month of the year (with Jan = 1). f(t): avg. monthly precipitation (in inches)
f(t) = 1.5cos(π/6(t - 3)) + 4.5
You should graph this to confirm that it gives us a graph that fits the description given.

Josh F.
03/05/21
Chloe R.
Very helpful, thank you!03/05/21