Holy crap, there's a vote tomorrow.

[Cadaverous Pallor]

Originally Posted by Ghoulish Delight

I disagree re: Prop 17. First of all, it doesn't set discount into law, it simply allows a company to offer a discount if they choose to. Secondly, We get a discount through our current insurer because, by proving myself insurable for a long time, I am a lower risk to them. If I were to change providers for whatever reason, they are currently not ALLOWED to offer me a discount, even though they can look at my record and see that I'm low risk. That's an annoying barrier to shopping for competitive insurance rates.

I think the flaw is that simply having insurance continuously for a long period does not make you lower risk. There are plenty of people who have to have a break in their coverage for legitimate reasons, reasons that do not make them higher risk. They should not have to pay higher premiums for that.

I can understand an insurance company being able to offer a "loyal customer" discount. Yes, that would be a barrier to us to change companies - which is why companies offer loyal customer discounts.