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:

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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Arguing Over The Arguments

By Torey Van Oot, THE SACRAMENTO BEE
February 26, 2010

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Backers of Auto-Insurance Measure Sue Over Ballot Pamphlet Language

By Josh Richman,THE OAKLAND TRIBUNE
February 25, 2010

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Recent Posts in Affordable Car & Home Insurance:

Health insurance premium curbs are catching on

Consumer Watchdog's calls for tough and open health insurance rate regulation are being echoed and amplified. The latest instance is in Connecticut, the home state of insurance companies, where Attorney General Earl Blumenthal recently proposed major reforms that would require the state to review and reject, modify or allow a rate change before it goes into effect. No more shrugging and letting it happen without a public review.

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Jerry Brown gets it right on Prop 17's Title & Summary

California Attorney General Jerry Brown has issued his final ballot label for Proposition 17, the Mercury Insurance-financed ballot measure to surcharge those with lapses in auto insurance coverage.  Brown got the ballot label right this time, acknowledging Prop 17 allowed insurers to increase premiums, as well as lower prices, based on whether a driver has a lapse in insurance coverage.

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Anthem as "Exhibit A"

Kevin Sack hits it right on the head in today's New York Times with his story about how Anthem's 39% premium increase in California embodies the need for health care reform. The missing element is prior approval health insurance regulation.

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Chronicle reveals discrimination at Mercury Insurance, Soldiers targeted

In case all those ads about how great insurance companies are was starting to make you feel all fuzzy inside, Carla Marinucci at the San Francisco Chronicle just posted a revealing and disturbing look into the widespread discrimination at California's 3rd largest auto insurer, Mercury Insurance....

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Inside Jerry Brown's brain, the illegal tapes

It's rare that you get to hear what's in the brain of a powerful politician because his phone conversations were taped.

Listening to Jerry Brown opine, berate and spin reporters about their age, his age, what they should...

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Mercury Scrutinized By Regulators For Breaking The Law While Trying To Pass Prop 17

Mercury's Deceptive Initiative

Celebrating 20 Years of Prop 103

Prop 103 Credited with $61.7 Billion in Savings