Changes sought in auto insurance;
<h3>Garamendi: Give record more weight than the ZIP code</h3><p class="source">THE SAN FRANCISCO CHRONICLE</p>
<p>Garamendi characterized the changes as the final implementation of Prop. 103, which was approved by voters in 1988. That proposition required insurance companies to concentrate on issues like a driver's history as they set rates, but consumer groups have long complained that former Insurance Commissioner Charles Quackenbush weakened Prop. 103 with regulations he imposed.</p>
