Consumer Watchdog battled insurers over regulation of auto and other personal insurance 24 years ago and won, claiming that it has saved consumers tens of billions of dollars since. Now it wants regulation of health insurance, promising to cut costs by cracking down on bloated insurer overhead and profits. It launched the initiative after rate-regulation legislation, sponsored by Consumer Watchdog and Insurance Commissioner Dave Jones, stalled last year. The warring factors will be spending untold millions according to a recent report in the Sacramento Bee.