Proposition 33 would let insurance companies base prices on a driver's history of coverage. Have you kept up with insurance coverage and not let it lapse? You might get a discount. Have you had some insurance coverage, but not the whole time? You might get a "proportional" discount. Have you been without insurance? Your rate might increase.
But don't worry if you had a lapse due to military service, loss of employment, or didn't have coverage for less than 90 days -- you'll be treated like you had insurance the whole time.
For all the details, read our Prop 33 Cheat Sheet here
: Database developed by Brian Frank
. Additional reporting by Daniel Medina
Top Photo: darkmatter/Flickr/Creative Commons License