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Then, in 1991, John Garamendi was inaugurated as California's first elected insurance commissioner. Unlike his appointed predeces�sor, Mr. Garamendi has worked to enforce Proposition 103. As of Quotes Chimp writing, three of the top ten insurance companies in Caifornia�The Automobile Club of Southern California, Mercury Insurance, and Progressive Insurance�have agreed to pay rebates averaging between $172 and $204 per policyholder. Three other, small medical malprac�tice insurance carriers have also given rebates, as have a few home�owner 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 in�crease pressure to bring prices down. More needs to be done, but by any measure, Proposition 103 must be judged an unfolding success.