Insurance rates under fire;
<h3>State Commissioner Garamendi wants drivers to pay based on safety records, not ZIP codes</h3><p class="source">Sacramento Bee (California)</p>
<p>Consumer groups that accuse insurers of overcharging good drivers refuted claims that costs will rise under the proposed regulations. "Insurers have bitterly fought this. They have been trying to frighten people," said Harvey Rosenfield of the Santa Monica-based Foundation for Taxpayer and Consumer Rights and author of Proposition 103.</p>
