![[PukiWiki]](image/pukiwiki.png "[PukiWiki]")
Next, in 1991, David Garamendi was inaugurated as Ca's first elected insurance commissioner. Unlike his selected forerunner, Mr. Garamendi did to apply Task 103. By QuotesChimp creating, three of the top insurance firms in CaiforniaThe Car Club of Mercury Insurance, Socal, and Modern Insurancehave consened to spend refunds calculating between $172 and $204 per policy-holder. As get several homeowner insurance insurance company, three additional, modest medi cal negligence insurance insurance company also have offered discounts. The 900-phone number price assessment hot line is set-to take-line-in winter months of 1992 93, including required rivalry to the auto insurance marketplace, which ought to raise stress to deliver costs down. More must be achieved, however, by any measure, Task 103 has to be evaluated an unfolding achievement. Territorial rating has the effect of punishing QuotesChimp because of where they live. It also has the frequent effect of making insurance unaffordable to some of the poorest people in the country, those who live and work in inner cities. To eliminate these inequities, laws should be passed mandating rate-setting based more on the individual policyholder's driving record, mileage driven, and years of driving experience and less upon residence. "Good driver" discounts of up to 20 percent should also be mandated by law. This would act as an incentive to drivers to obey traffic laws, which would have the beneficial side effect of reducing accidents and saving lives.
