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Prop. 33 Asks Voters to Reconsider How Auto Insurance Discounts Work

By Erik Anderson, KPBS

Prop. 33 backers say many drivers would be eligible for discounts; opponents are skeptical. (Photo: Magie Mbroh)

Prop. 33 backers say many drivers would be eligible for discounts; opponents are skeptical. (Photo: Magie Mbroh)

California voters are getting a chance to tweak the state’s car insurance rules when they consider the fate of Proposition 33. The November ballot item asks voters to change the way car insurance rates are calculated in California. The measure proposes tweaking current rules to allow companies to consider a driver’s insurance history when setting how much they will pay.

It is not a new idea. In fact, Proposition 33 is similar to Proposition 17, a measure voters rejected just two years ago. Under Prop. 33 people who have had car insurance continuously for five years can get a discount. People who have an interruption in coverage would face much higher car insurance fees. In an effort to separate itself from the failed Proposition 17, Prop. 33 adds some exceptions that include the military, workers who have lost their jobs and children living with their parents.

It is a message the “Yes on 33” camp is putting on television spots hitting the airwaves on stations around California, according to Rachel Hooper, a consultant for the campaign. One ad features several drivers including a young woman who calls it a great idea for all drivers. Another person in the ad says Prop. 33 rewards drivers for maintaining car insurance. Continue reading