Yes on Proposition 33
CALIFORNIA CONSUMERS DESERVE A REWARD
FOR FOLLOWING THE LAW AND PURCHASING CAR
INSURANCE. PROPOSITION 33 LETS YOU SHOP YOUR
DISCOUNT FOR A BETTER DEAL.
California law requires all drivers to buy automobile
insurance. Approximately 85% of California drivers follow
the law and buy insurance. If you follow the law and maintain
continuous automobile insurance coverage, you are currently
eligible for a discount, but only if you stay with the same insurance
Current law punishes you for seeking better insurance or
trying to get a better deal by taking away your discount for
being continuously insured.
Proposition 33 corrects this problem and offers this discount to
consumers who maintain automobile insurance with any company.
Proposition 33 allows you to shop for a better insurance deal.
Leaders from both parties, Democrats and Republicans, the
Veterans of Foreign Wars (VFW), the American GI Forum
of California, firefighters, small business owners, individual
consumers, and Chambers of Commerce join in their support
of Proposition 33. VOTE YES ON PROPOSITION 33. It
rewards those who follow the law.
The reward you get for being responsible and following the
law is yours to keep under Proposition 33, even if you exercise
your right to move to a different insurance company. That is
why some insurance companies like Proposition 33 and others
don’t. It creates competition. Your neighborhood insurance
agents support Proposition 33 because it will force insurance
companies to compete for your business.
We encourage you to read Proposition 33. It is simple. It
VOTE YES ON PROPOSITION 33 because you should get
the discount that you have earned, regardless of which insurance
company you pick.
Proposition 33 also encourages those who don’t have
insurance to obtain it, because Proposition 33 makes it easier to
earn the continuous coverage discount. You get a share of the
discount for every full year you are insured. The longer you are
insured, the greater the discount. This encourages uninsured
drivers to become insured and make our roads safer.
Proposition 33 provides other protections as well:
• If you are active military, Proposition 33 says you will not
lose the discount. That’s why our military families, led by
the American GI Forum and Veterans of Foreign Wars, say
Yes on Proposition 33.
• If you are laid off or furloughed, Proposition 33 allows you
to keep your status as a continuously covered driver for up
to 18 months.
• Under Proposition 33, driving age children get the discount
whether they are living with their parents or are away at
• Proposition 33 allows you to miss payments for 90 days for
any reason and remain eligible for this discount.
Proposition 33 will result in more competition between
insurance companies and better insurance rates because you
will be able to shop around for insurance without losing your
In California, you must have automobile insurance. You
deserve a reward for following the law. VOTE YES ON
ROBERT T. WOLF, President
Small Business Owner
Veterans of Foreign Wars (VFW)
Rebuttal by No on Proposition 33
- October 01, 2012 02:34 PM
Working Californians have it hard enough these days. We
shouldn’t have to pay more for auto insurance because of
another insurance industry trick.
Proposition 33 is funded 99% by one insurance industry
billionaire who says he wants to save drivers money on their
When was the last time an insurance company executive spent
$8 million on a ballot initiative to save you money?
Prop. 33 will raise rates on drivers with perfect driving
records. This initiative unfairly punishes people who stopped
driving for legitimate reasons—like going to college, recovering
from a serious injury or taking public transportation—when
they return to the insurance market.
California law prevents auto insurance companies from
charging people more simply because they had not driven
previously or were too poor to drive in the past. Prop. 33 will
allow insurance companies to start surcharging millions of
Voters already said No in 2010 when this billionaire’s insurance
company spent $16 million to pass a similar initiative. Now he’s
at it again.
People who take mass transit to work shouldn’t pay more for
their auto insurance when they start driving again.
Unemployed Californians shouldn’t pay more when they get
another job and start driving again.
People who have to drop their insurance because of a serious
illness shouldn’t pay more when they recover and get back on
Proposition 33 will raise auto insurance rates. Tell this insurance
company billionaire it’s not okay to deregulate auto insurance.
Vote No On Proposition 33.
DeANN McEWEN, RN, President
California Nurses Association
RICHARD HOLOBER, Executive Director
Consumer Federation of California
JAMIE COURT, President
No on Proposition 33
Consumer advocates agree: NO ON PROPOSITION 33
—It’s another deceptive insurance company trick to raise auto
insurance rates for millions of responsible drivers in California.
Mercury Insurance spent $16 million on a similar initiative in
2010. Californians rejected it.
Now they’re at it again. Mercury Insurance’s billionaire
chairman George Joseph has already spent $8 million to fund
Proposition 33. When was the last time an insurance company
billionaire spent a fortune to save you money?
Proposition 33 unfairly punishes anyone who stopped driving
for a good reason but now needs insurance to get back behind
the wheel. Proposition 33 “will allow insurance companies to
increase cost of insurance,” according to the Attorney General’s
Official Summary—even on motorists with perfect driving
Proposition 33 is a cleverly worded initiative that says one
thing and does another. Beware: the California Department of
Insurance has said the so-called “continuous coverage discount”
scheme “will result in a surcharge” for many California drivers.
That’s why Consumers Union, the policy and advocacy division
of Consumer Reports, opposes Prop. 33.
Proposition 33 raises insurance rates for students completing
college who now need to drive to a new job.
Proposition 33 raises insurance rates for people who dropped
their coverage while recuperating from a serious illness or injury
that kept them off the road.
Prop. 33 deregulates the insurance industry, making big
insurance companies less accountable—which is why this
measure is 99% funded by an insurance billionaire whose
company, Mercury Insurance, has a record of overcharging
consumers. The California Department of Insurance says
Mercury has “a deserved reputation for abusing its customers and
intentionally violating the law with arrogance and indifference.”
No on 33: It penalizes responsible drivers who did not need auto
insurance in the past.
Prop. 33 allows insurance companies to charge dramatically
higher rates to customers with perfect driving records, just
because they had not purchased auto insurance at some point
during the past five years. Drivers must pay this unfair penalty
even if they did not own a car or need insurance at the time.
No on 33: It hurts California’s middle-class families.
In states where the Proposition 33 surcharge is legal, the result
is HIGHER PREMIUMS:
• Texans can pay 61% more.
• Nevadans, 79% more.
• Floridians, 103% more.
No on 33: It leads to more uninsured motorists, costing us all more.
According to the California Department of Insurance,
the financial penalty insurance companies want to impose
“discourages [people] from buying insurance, which may add to the
number of uninsured motorists and ultimately drives up the cost of
the uninsured motorist coverage for every insured.”
MORE UNINSURED DRIVERS hurts taxpayers and the
No on Prop. 33: Californians already rejected a nearly identical
proposal in 2010. Let’s make it clear to these powerful special
interests that No means No.
Don’t give insurance companies more power to raise our rates.
VOTE NO on PROP. 33. It’s too good to be true.
Learn more at http://www.StopTheSurcharge.org
HARVEY ROSENFIELD, Founder
ELISA ODABASHIAN, Director
West Coast Office and State Campaigns, Consumers Union,
the policy and advocacy division of Consumer Reports
NAN BRASMER, President
California Alliance for Retired Americans
Rebuttal by Yes on Proposition 33
- October 01, 2012 02:34 PM
Californians with car insurance earn a discount for following
the law—but under current law, if you switch companies, you
lose your discount.
Proposition 33 fixes this by allowing you to keep this reward
and shop for a better deal with another company.
The opposition is using scare tactics and ugliness. Yes,
Proposition 33 supporter and World War II Vet George Joseph
built a successful company by providing customer service and
low rates that Californians support.
Read Proposition 33 for the truth.
Firefighters and the California Association of Highway
Patrolmen support Proposition 33 because they want everyone
insured and the opportunity for all Californians to shop for a
better automobile insurance deal.
The Greenlining Institute—a consumer group founded to
fight unfair business practices—supports Proposition 33 because
it protects consumers and allows this discount to everyone who
has followed the law.
• Proposition 33 allows drivers to switch insurance
companies and keep their continuous coverage discount.
• Proposition 33 rewards drivers for following the law and
maintaining car insurance with any company you choose.
• Proposition 33 makes it easier to switch insurance
companies, leading to more competition and lower rates for
• Proposition 33 protects consumers and applies the
continuous coverage discount to everyone who follows the
• Proposition 33 protects military families, consumers who
are unemployed or furloughed, and student drivers, and
would provide incentives for uninsured drivers to purchase
Veterans groups, including the Veterans of Foreign Wars and
GI Forum support Proposition 33.
Vote Yes on Proposition 33.
ROBERT T. WOLF, President
JULIAN CANETE, President
California Hispanic Chamber of Commerce
SAMUEL KANG, General Counsel
The Greenlining Institute