Affordable Car & Home Insurance
For more than 20 years, Consumer Watchdog has been the nation's leading insurance reform organization and has saved consumers tens of billions of dollars.
Consumer Watchdog & Prop. 103 Savings
See how much money Consumer Watchdog and Prop. 103 have saved Californians in recent years >>.
Over the years we have:
- Enforced the nation's most stringent insurance reform law, California's Prop 103, authored by Consumer Watchdog founder Harvey Rosenfield;
- Saved California drivers $62 billion since passage (1989-2006);
- Drafted and won passage of the nation's first low-cost auto insurance policy for low-income motorists;
- Fought for fair auto insurance rates, and recently ended (in California) the decades-old discriminatory practice of ZIP code-based auto insurance rates, so California premiums are based primarily on a driver's record not where they live;
See interview with Prop 103 author Harvey Rosenfield here:
- Challenged excessive homeowners insurance rates, forcing companies to charge about a half-billion dollars less than they proposed in recent years; and,
- Saved doctors more than $60 million by challenging medical malpractice insurance rate hikes, demonstrating that insurance regulation, rather than limits on the rights of injured patients, is key to keeping doctors' insurance premiums down. Go to our Protecting Patients campaign for more about medical malpractice.
When citizen volunteers beat back the record-breaking $80 million insurance industry-funded campaign against Proposition 103, they set in motion a fight to keep insurance prices fair and companies honest that Consumer Watchdog carries on to this day.
In DC and in every state, insurance companies have armies of lobbyists, lawyers and "experts" working to keep rates too high and regulation of industry practices too weak. Drivers, homeowners and businesses are required to buy insurance products, but in most states the insurance companies have won almost total freedom from oversight and consumer protection.
California's Prop 103 is the exception. At Consumer Watchdog we fight in the legislature, regulatory agencies and court to protect this reform and expand it.


Recent Articles:
California Group Urges National Freeze On Health Insurance Rates
By John Reichard, CONGRESSIONAL QUARTERLY HEALTHBEAT
March 10, 2010
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Insurance Regulation Expert Calls For Freeze Of Health Rates Until 'Prior Approval' Regulation Is Adopted
CONTACT: Jerry Flanagan, (310) 889-4912; or Carmen Balber, (202) 629-3043
March 10, 2010
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Auto Insurer Revs Measure's Motor
By Howard Fine, THE LOS ANGELES BUSINESS JOURNAL
March 8, 2010
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Revisions to Health Care Reform Must Include Rate Freeze, Rate Regulation and States' Rights Provisions, Says Consumer Watchdog
CONTACT: Jerry Flanagan, (310) 889-4912; or Judy Dugan, (310) 392-0522, ext. 305
March 8, 2010
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Lawsuits Over California Ballot Question to Be Heard Together
By Sean P. Carr, BESTWIRE
March 8, 2010
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