In case you missed the news last week, California auto insurers have finally given up on their 17-year-long battle against Proposition 103. In other words, they can no longer gouge you based on what zip code you live in. Now they have to use crazy, outlandish metrics like your safety record, your number of years behind the wheel and the amount of driving you do. Of special note is the fact that insurers claimed that having to stop using zip codes as a determiner would result in rate increases of up to 60%, when in fact most of them, like State Farm and Chubb, seem to be cutting them in the aftermath. Is it possible that insurance lobbyists are dirty liars?