This is the fourth part of a series of posts analyzing California’s propositions:

Proposition 33: A Fine Example of What’s Wrong With The Proposition System

California’s proposition system is generally broken. There are good propositions out there, such as Proposition 25 (which made it so that budgets no longer need super-majorities to pass).

Then there are things like Proposition 33.

Proposition 33 is the worst type of proposition out there.

It’s the type of proposition in which a big corporation asks voters to change the law so that the corporation can increase profits. In this case the corporation is Mercury Insurance, founded by billionaire George Joseph:


What is even more crazy about this proposition is that Mercury Insurance placed the exact same thing on the ballot just two years ago. It failed. Now Mercury is trying again.

What Does Proposition 33 Do?

Proposition 33 allows car insurance companies to give discounts to individuals with five continuous years of car insurance.

Conversely, this means that individuals without five continuous years of car insurance will have their car insurance become more expensive. Insurance companies, after all, don’t just hand out discounts because they’re nice. If Proposition 33 passes car insurance companies will give the discount to those who qualify and then raise their prices for everybody else. For those without five continuous years of car insurance, you’ll be paying more if this proposition passes.

Who are people without five continuous years of car insurance?

Well, they’re generally the young and the poor.


Say you’re a working-class immigrant who’s just saved enough money to buy a car for the first time in your life. If Proposition 33 passes, your car insurance will become more expensive. Or say you’re a young person (like me) who just got your license for the first time. If Proposition 33 passes, your car insurance will also become more expensive. Or say you’re a proud mother of a blooming high school student. If Proposition 33 passes, you’ll be paying more for your son’s car insurance once he gets his license.

Yup, This Affects Me Too!

This proposition directly affects me and every single young and poor Californian out there. It also affects every single mother or father of a high school or college student. If Proposition 33 passes, car insurance will be more expensive for every Californian driving a car for the first time in his or her life.

(Under Proposition 33 these smiling Californians will be paying a whole lot more in car insurance.)

This is why voting is so important. The young, the poor, and parents can’t let companies like Mercury Insurance sneak Proposition 33 past us.

Every single young person in California, and every single one of their parents, should vote against Proposition 33.




Right now, I am a college student living in southern California. I’ve been heavily following politics for as long as I can remember.

I would characterize myself as a left-leaning political moderate. I’m somewhat socially conservative and fairly economically liberal (as defined in the United States). I will attempt to maintain a high-level, respectful level of argumentation – even if I disagree vehemently with a particular person or a particular political viewpoint.