Affordable Car & Home Insurance

Auto Insurance

Just about every state requires drivers to buy auto insurance but very few states offer any serious consumer protection for insurance customers. California's Proposition 103 (the 1988 initiative authored by Consumer Watchdog founder Harvey Rosenfield) provides motorists the most protection from insurance price gouging in the nation. Since 1988, California has been the only state to see auto insurance premiums consistently decline, while insurers hiked rates by an average of 35% around the nation.

At Consumer Watchdog we enforce Prop 103's protections and fight for more, in California and around the country. Over the years, Consumer Watchdog:

The Failure of No-Fault Auto Insurance

As much as we have fought for insurance consumer rights and fair premiums, we have also fought efforts by insurance companies to strip consumers of their rights.

For years, insurers have tried to replace the personal responsibility insurance systems most common in the U.S. (the driver who causes the accident is responsible for the damages) with highly inefficient and unfair "No-Fault" auto insurance schemes. Read a brief histoy of No-Fault. We have fought them off at the ballot box and have studied No-Fault systems and demonstrated that they are more costly and less protective.

Information about our most recent report - The Cost of No Fault Auto Insurance - is available from our news release announcing the study, which can be downloaded here. A critique of studies conducted by the Rand Corporation is available here.

Recent Articles:

Examining 'Emergency' Insurance Regulations

By Dean Calbreath, SAN DIEGO UNION-TRIBUNE
May 4, 2008

Read More »

Consumer Advocates Warn Against Auto Insurance Proposals

By Edwin Garcia, SAN JOSE MERCURY NEWS (CA)
May 1, 2008

Read More »

New State Rules on Insurance Criticized

By Martin Zimmerman, LOS ANGELES TIMES
May 1, 2008

Read More »

Consumer Group Warns of Higher Insurance Rates in Calif.

By Steve Lawrence, ASSOCIATED PRESS
May 1, 2008

Read More »

Poizner Capitulates to Insurance Industry, Weakens Prop 103 Insurance Rate Regulations, Author of 103 Says in Letter

CONTACT: Doug Heller, 310-392-0522, ext. 309; or Harvey Rosenfield, ext. 303
April 30, 2008

Read More »

View All Next »

Recent Posts in Affordable Car & Home Insurance:

103 exposes costs lower than insurers claim

Our legal team was in San Francisco this week fighting another unjustified insurance rate hike - this time a 6% earthquake insurance rate increase...

Read More »

Battling Insurance Commissioners

Insurance Commissioner Poizner has issued supposedly "emergency" regulations that would change new rules protecting consumers.

Read More »

Insurance committee gives two to the industry

 
Consumers could use a friend on the Assembly Insurance Committee. I testified against two bills the committee passed this morning that will cause consumers to pay more for their auto insurance and violate voter-approved Proposition 103...

Read More »

Guns & Guts Save CA Motorists 62 Billion Bucks

I remember now why I hired armed guards to protect the voter signatures that put insurance reform Proposition 103 on the ballot twenty years ago. ...

Read More »

$62 billion saved thanks to Prop 103

I'm going to happy hour tonight, and the whole office is coming with me. It's a rare occurrence that anyone around here leaves the office before 5pm, let alone all of us at the same time. But we've got reason to celebrate...

Read More »

View All Next »

Forward This Page To A Friend

Celebrating 20 Years of Prop 103

Prop 103 Credited with $61.7 Billion in Savings

Consumer Watchdog In Action

Recent Insurance Actions