Over the past quarter century, auto insurance expenditures in America have risen by more than 40 percent. Consumers in some states are paying 80 percent, 90 percent, and even 100 percent more for auto insurance than they paid in 1989. These increases have accrued despite substantial gains in automobile safety and the arrival of several new players in the insurance markets. Only in California, where a 1988 ballot initiative transformed oversight of the industry and curtailed some of its most anti-consumer practices, has the amount that drivers spend on auto insurance declined.

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