You pay either way
When someone steals your car in Oregon these days, the police won't go after the thief because they have no money. If they do, the district attorney won't prosecute the thief because the d.a. has no money. If he or she does, the local court won't arraign the thief because it has no money. In the highly unlikely event the thief is eventually convicted, he or she won't go to jail because the sheriff who runs the jail has no money.
To all the people who voted against Measure 28: You saved yourself $100 a year in taxes. Now you'll pay more than that in increased car insurance premiums.
Besides, the extra state income taxes would have been deductible on your federal tax return if you own a home. The car insurance premium isn't deductible at all.
Are we having fun yet?