Proposition 33 on the November ballot asks votes to change the way car insurance rates are calculated in California. The measure proposes tweaking current rules to allow companies to consider drivers' insurance history when setting how much they will pay.

It is not a new idea. In fact, Proposition 33 is similar to Proposition 17, a measure voters rejected just two years ago. Essentially, people who have had car insurance continuously for five years can get a discount. People who have an interruption in coverage would face much higher car insurance fees.