ConsumerWatchdog.org

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 more than $23 billion in Prop 103's first decade alone (1989-1998);
• 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;
• 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.