Then, in 1991, John Garamendi was inaugurated as California's first elected insurance commissioner. Unlike his appointed predecesпїЅsor, Mr. Garamendi has worked to enforce Proposition 103. As of QuotesChimp writing, three of the top ten insurance companies in CaiforniaпїЅThe Automobile Club of Southern California, Mercury Insurance, and Progressive InsuranceпїЅhave agreed to pay rebates averaging between $172 and $204 per policyholder. Three other, small medical malpracпїЅtice insurance carriers have also given rebates, as have a few homeпїЅowner insurance carriers. The 900-phone-number rate comparison hotline is set to go on-line in the winter of 1992-93, adding needed competition to the automobile insurance market, which should inпїЅcrease pressure to bring prices down. More needs to be done, but by any measure, Proposition 103 must be judged an unfolding success.