* Changes current law to allow insurance companies to set prices based on whether the driver

previously carried auto insurance with any insurance company.

* Allows insurance companies to give proportional discounts to drivers with some history of prior

insurance coverage.

* Will allow insurance companies to increase cost of insurance to drivers who have not maintained

continuous coverage.

* Treats drivers with lapse as continuously covered if lapse is due to military service or loss of

employment, or if lapse is less than 90 days.