On June 8 California voters will decide what they think about Proposition 17, but until then the debate continues. Supporters say it will help more than 80% of the state’s residents because they could keep their continuous coverage discounts with them when they switch car insurance providers. Drivers say as much as $250 a year with these benefits, but currently the benefits are lost when you switch to a new insurance carrier according to an LA Times report.

Those against Proposition 17 say it will drive up costs, especially for people who gave up driving because of various reasons ranging from military service to medical conditions. Those against the legislation say new drivers and those with bad driving records would also face higher costs. Both sides have been lobbying hard, with insurance companies spending millions of dollars on ad campaigns in the weeks before the vote.

Business groups are largely backing the proposition because of its added freedom for changing insurance providers because they believe it would add more competition. Others say the new law would undermine an old on that strengthened the link between insurance costs and the risk certain drivers hold, according to Richard Holober of the Consumer Federation of California. “It is discriminatory against people who are down on their luck and serving their country,” Holober said to the LA Times. Holober says that drivers who suspend their insurance for more than 90 days because they’re not driving would then have to pay surcharges to reactivate their car insurance coverage.

A surcharge like that would impact drivers like Ben Gartner, a teacher who stopped driving for a year and a half when gas prices soared. Gartner worries he’d have to pay a huge surcharge if Proposition 17 passes. “I would feel it was very unfair if I had to pay more for insurance because I wasn’t driving. I didn’t have anything negative on my driving record. I did it to save money,” he said to the LA Times. But supporters say that won’t happen. “California is the most highly regulated insurance market in the country, with significant consumer protections, and our opponents know darn well the Department of Insurance would never approve rates with the surcharges they allege would occur,” said Mike Darrell to the LA Times, executive director of the Sacramento-based Alliance of Insurance Agents and Brokers.