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:

Anthem Blue Cross Defense of Recent Rate Hikes Codified In New Sen. Leno Bill

CONTACT: Jamie Court, (310) 392-0075; or Jerry Flanagan, (310) 392-0522, ext 319
August 30, 2010

Read More »

Consumer Advocates Urge Governor Schwarzenegger to Sign Low Cost Auto Insurance Extension Legislation

CONTACT: Naomi Seligman 310-617-4577; or Doug Heller, 310-392-0522 ext. 309
August 12, 2010

Read More »

Regs May Pit States Against Treasury

By Chris Frates, POLITICO
June 16, 2010

Read More »

View All Next »

Recent Posts in Affordable Car & Home Insurance:

Will 'progressives' let middle class burn to prove their point?

When Anthem Blue Cross announced its controversial premium increases in California recently, the insurer claimed, "a carrier must be able to receive actuarially sound rates." So it is remarkable that "progressive" San Francisco State Senator Mark Leno, a single payer health care advocate, recently introduced eleventh hour legislation codifying Anthem Blue Cross's "actuarially sound" defense of premium increases in law.

Read More »

Insurers hold death benefits for more profit

Life insurers are facing broad criticism for profiting from the death benefits of soldiers and other life insurance policyholders after a claim is supposed to be paid...

Read More »

Corporate "smart initiatives" will test California voters' smarts Tuesday

During my two decades battling in California's ballot initiative process never before have large corporations been poised to gain so much so cleverly as in next Tuesday's election.

Industries have long tried to lard ballots...

Read More »

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.

Read More »

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.

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