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103 repealed sections of the Insurance Code which barred competition among brokers.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.
Relevant Legal Materials: