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Be advised: Some brokers will insist they cannot legally cut their commissions. Others (especially auto insurance agents, who make limited commissions) don’t like to. Shop around for those that will — or, if you like, select an insurer that doesn’t use agents. Their rates can be cheaper (but you won’t get the personal service agents provide).

Text of Proposition 103:

103 repealed sections of the Insurance Code which barred competition among brokers.

Status of Provision:

Many insurers have refused to permit their insurance agents and brokers to negotiate such discounts.

Source Documents:


Relevant Legal Materials:




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