5 Key Facts Learned From Insurance Ads

"SteveLehto" (stevelehto) 07/27/2015 at 12:30 • Filed to: None

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Ever wonder what someone would think if they watched TV commercials in the US and had no idea that insurance companies have long since given up trying to promote actual products to consumers? Step back and look at the messages we get from insurance companies today.

Car-Babies are creepy. The guy washes his giant baby in the driveway with a garden hose, which, you know, is how doofus-dads wash their babies. But at least he didn’t lock his kid in the car - Because his kid IS the car! But that shopping-cart-to-the-groin joke never gets old.

Yeti attacks are covered. Insurance is great to cover against contingencies which - although not a daily occurrence - might actually happen to you. So it is a good thing that Farmers covers against Yeti attack. And not just that, but if one attacks your car with a giant snowball. Trust me: I tried filing a claim like that with my previous insurer and those bastards denied me. That’s what I get for not noticing the “Mythical creature exclusions.”

Mayhem is funny. Do you know what the word mayhem means? In the law, it is wilfully maiming or disfiguring someone. Ah, good times. Well, Mayhem is also the star of a series of commercials where this indestructible guy goes out and wrecks cars in the most unlikely ways. Hibachi accidents in the parking lot? Alma mater flags ripped off trucks? Yup, they cover that. Run-of-the-mill claims? Who has those?

Geico has given up. Geico has gotten to the point where its wall-to-wall ad coverage has required it to make that the theme of its commercials. As in, “Everyone knows” what their ad says. So, they just punt and put in something ridiculous. Yes, I know what is supposedly happening at the deli counter but all it ever reminds me of is that the crazy person at the supermarket might actually be a former NFLer who’s fallen on such hard times he has to appear in Geico ads to make ends meet.

You are what you wear. Finally, we have to address what a cool place State Farm is to work at. If you are the one who drew the short straw (i.e., you get to answer phones at 3 AM), they will let you wear khakis to work. Yes, KHAKIS. And not just on Fridays. Every day you work at 3 AM you can wear them. Or not, if the guy in the next cuible isn’t looking. But, do they pay valid claims? Who cares! The guy you are talking to might be wearing khakis!

Meanwhile, an insurance company could run an ad with the message: “We investigate claims promptly and then pay them when valid.” Why don’t they?

Yes, that was rhetorical.

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This website may supply general information about the law but it is for informational purposes only. This does not create an attorney-client relationship and is not meant to constitute legal advice, so the good news is we’re not billing you by the hour for reading this. The bad news is that you shouldn’t act upon any of the information without consulting a qualified professional attorney who will, probably, bill you by the hour.

Sportwägen, Driver Of The Red Sportwagen > SteveLehto 07/27/2015 at 12:34

3

Dat wagon tho

dogisbadob > SteveLehto 07/27/2015 at 12:34

5

Honey, I blew up the kid!

dogisbadob > SteveLehto 07/27/2015 at 12:34

2

awesome color

nermal > SteveLehto 07/27/2015 at 12:38

19

something something YOUR CHILDREN ARE ALL GOING TO DROWN IN THE TUB AND DIE.

DIE DIE DIE DIE DIE.

DEAD CHILDREN.

~Nationwide is on your side~

Birddog > SteveLehto 07/27/2015 at 12:39

6

The “Mayhem” and “Insurance University” ads are entertaining at least.

LongbowMkII > SteveLehto 07/27/2015 at 12:39

3

Apparently Allstate/esurance actually has a strict dress code for their call centers. Getting the important things right!

SteveLehto > Birddog 07/27/2015 at 12:40

4

Setting that aside as a theoretical possibility, wouldn’t they be nice if they told us something about the insurance?

Assuming there is a message there, it is, “Hey, we even pay crazy claims!”

I’d rather have them promise to pay normal ones. And let’s face it: Good luck with that crazy claim.

StingrayJake > dogisbadob 07/27/2015 at 12:41

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There’s two pickups in the lot that are that shade of blue. Where is this place? Towns aren’t allowed to have more than one non-black/silver/white car.

For Sweden > SteveLehto 07/27/2015 at 12:41

5

I wish I could fall on such hard times that I could get commercial acting jobs.

SteveLehto > LongbowMkII 07/27/2015 at 12:42

4

I think it’s funny that they suggest their call centers are in America.

SteveLehto > For Sweden 07/27/2015 at 12:42

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Or writing them. The bar can’t be that high.

StingrayJake > SteveLehto 07/27/2015 at 12:44

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I really wish Jake had one of those “Hang in there” cat posters... like I do.

Birddog > SteveLehto 07/27/2015 at 12:47

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Good point. It’d be really nice for all commercials to go back to being product centered. We’re being sold a lot of sizzle and no steak.

krobert > SteveLehto 07/27/2015 at 12:48

1

I’ve never seen an insurance ad.

Kill your TV.

SteveLehto > Birddog 07/27/2015 at 12:48

4

I don’t even mind a bit of sizzle. It’s just that if you look at ALL the commercials: None of them tell you anything. The whole industry has given up.

LongbowMkII > SteveLehto 07/27/2015 at 12:48

2

Well they have them in the U.S., but they definitely are not the ones answering at 3am.

Pending Approval > SteveLehto 07/27/2015 at 12:49

8

after discovering a pea sized paint chip down to the bare metal, I read through my insurance paper for the first time. Apparently nuclear attacks are a real enough threat they feel the need to write about them in their policies.

SteveLehto > krobert 07/27/2015 at 12:49

2

They’re everywhere. Even on this site from time to time.

SteveLehto > Pending Approval 07/27/2015 at 12:50

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And they excluded them, right?

Sportwägen, Driver Of The Red Sportwagen > SteveLehto 07/27/2015 at 12:50

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LOL

Daily Drives a Dragon - One Last Lap > SteveLehto 07/27/2015 at 12:51

3

Wait. You didn't notice the mythical creature exclusions?

SteveLehto > Daily Drives a Dragon - One Last Lap 07/27/2015 at 12:52

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It was buried in the fine print! Right after the Creepy-baby exclusion and the Hibatchi explosion exception.

MarcusAurelius > SteveLehto 07/27/2015 at 12:52

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I don’t know, as recently noted if you’re like Liberty Mutual and make adds based on actual coverage you just assume all your customers are idiots that don’t understand how insurance and depreciations works.

Or you could make funny adds that make people like your company even though they have no idea how good your coverage or customer service is. I do like the car baby add though. And the “only winners get sprinkles” progressive one.

SasquatchElvis > SteveLehto 07/27/2015 at 12:53

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I actually loved this ad, it finally helped several of my non-car friends understand how I see my car

AeroStang > SteveLehto 07/27/2015 at 12:53

2

I always wondered why geico advertised SO heavily. Then I had a claim with them (on a car that could only be insured with them), and it was the most enraging two weeks I have spent in years. Makes sense.

Pending Approval > SteveLehto 07/27/2015 at 12:54

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considering i’m probably never more than a few miles away from my car at all times, I don’t think they should worry about me being around to file such a claim.

Birddog > SteveLehto 07/27/2015 at 12:54

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I don’t think they’ve given up. I think it’s more about the Ad companies trying to show off for each other and win awards that nobody cares about. Product? That’s secondary.

Dollar Shave Club might be the only good Ad out there. They’re funny AND all about the product.

SteveLehto > MarcusAurelius 07/27/2015 at 12:54

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Oh my god. I love the Only Winners Get Sprinkles ad. The Progressive ads (eveb though they can be funny) do manage to get across a few key points (I think) better than the others.

SteveLehto > SasquatchElvis 07/27/2015 at 12:54

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As something you run into a fire hydrant?

Just kidding.

Tekamul > SteveLehto 07/27/2015 at 12:55

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Don’t you besmirch Ickey!

Gonna get some cold cuts today!

Honestly, why should they do anything other than try to entertain. Anything they say otherwise is very possibly a lie. So tell me all about the khakis, Yetis and creepy babies. An ad is never going to swing my opinion anyways.

SteveLehto > Pending Approval 07/27/2015 at 12:56

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To make up for it they should throw in some crazy stuff that is covered. Like if the car is transported to another planet in a different solar system.

SasquatchElvis > krobert 07/27/2015 at 12:56

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My TV brings me all the racing, why would I ever kill something that brings me all the racing?

Full of the sound of the Gran Fury, signifying nothing. > dogisbadob 07/27/2015 at 12:56

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Looks like an average beigemobile to me...

Galuptis > Birddog 07/27/2015 at 12:56

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To be fair, Nationwide has a few ads about produce features like Brand New Belongings for their property polices and Vanishing Deductible for their auto policies.

SteveLehto > Tekamul 07/27/2015 at 12:57

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I guess. But it all seems so wasteful. If they didn’t jam that commercial in, I could see another 30 seconds of Bachelorette.

Galuptis > nermal 07/27/2015 at 12:57

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This was a bit of a disaster. And definitely should not have aired during the Superbowl.

Tekamul > StingrayJake 07/27/2015 at 12:57

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Should have used this one

SasquatchElvis > SteveLehto 07/27/2015 at 12:58

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lol no, but a guard rail did run out in front of my first car this one time...

AWD E30 > SteveLehto 07/27/2015 at 12:59

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!!! UNKNOWN CONTENT TYPE !!!

No. No they do not. But khakis!

Pending Approval > SteveLehto 07/27/2015 at 12:59

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or what about collateral damage due to super/action hero negligence? Is there an exception for being michael bay’d?

Lumpy44, Proprietor Of Fine Gif > SteveLehto 07/27/2015 at 12:59

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I actually enjoy the Icky shuffle commercial, just because I had hoped he does that in his daily life now.

Tekamul > SteveLehto 07/27/2015 at 13:00

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That is not something you should admit to.

Besides, if it wasn’t a Geico ad, it could be something worse, like a local affiliate ad for the 10pm news with weather on the 2s, 4s, 6s and 8s, because nothing of interest ever happens in your town.

dogisbadob > Full of the sound of the Gran Fury, signifying nothing. 07/27/2015 at 13:04

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the two teal/turq pickups :p

MarcusAurelius > SteveLehto 07/27/2015 at 13:06

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And I guess State-Farm adds do cover actual coverage, and all-state...dang now you’re making me contractict my own point!

live2skico2 > SteveLehto 07/27/2015 at 13:09

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now your insurance ad is a Bachelorette show

450X_FTW > SteveLehto 07/27/2015 at 13:12

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Do people actually use The General for car insurance? I just can’t take them seriously at all because of their ads

SteveLehto > 450X_FTW 07/27/2015 at 13:13

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I assume the messages is: “Our ads are cheap because we are cutrate. We will save you money.”

I find it hard to take them seriously too.

Quasistellar > SteveLehto 07/27/2015 at 13:14

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Why do they need to tell us much about a service we’re required by law to pay for?

450X_FTW > Pending Approval 07/27/2015 at 13:15

1

I remember one ad where a guy calls his insurance company because his ex keyed his car. Conversation along the lines of:

Hi my ex keyed my name on my car

What did she write?

Brad

Oh sorry your policy only covers full proper names, Bradly is covered Brad is not.

BigBlockCaprice1966 > SteveLehto 07/27/2015 at 13:15

3

I almost think that insurance providers have given up assuming that the average consumer knows anything about insurance at all beyond the fact that they need it to drive (legally). Which is pretty darn scary when you consider how minimally people insure themselves for (liability in particular) to just save a buck.

SteveLehto > Quasistellar 07/27/2015 at 13:15

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The floor is minimum (it allows you to drive). I’d like it to also do something if I need it.

crowmolly > Birddog 07/27/2015 at 13:16

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An insurance company will never get across enough information in a 30 second TV spot.

They sell a boring product and they have to do something “jazzy” to get you to even pay attention. These ads seem to be all about brand recall- getting you to remember their name even after the commercial is over.

krobert > SasquatchElvis 07/27/2015 at 13:17

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because you sit there for hours like a slack-jawed idiot while the marketers pump you full of their horseshit.

Pending Approval > 450X_FTW 07/27/2015 at 13:17

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yeah, since my deductible is stupid high $500, i’m just going to try one of those paint touch up kits and hope for the best.

krobert > SteveLehto 07/27/2015 at 13:17

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not a good thing.

CitronC > SteveLehto 07/27/2015 at 13:18

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Better than the Liberty ads at least, they just make their customers look dumb.

SteveLehto > CitronC 07/27/2015 at 13:19

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We’re splitting hairs on which ads do that the most.

Urambo Tauro > nermal 07/27/2015 at 13:20

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~Nationwide is on your side~

So what’s the point of that ad? Obviously prevention is important, but what does insurance have to do with this? Are they just trying to say that insurance payouts can be awesome?

PhilP > SteveLehto 07/27/2015 at 13:20

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Don’t forget the “Men are liars” commercial. You know the one- I think it’s State Farm. Every scene is the guy saying “We’re never doing that.”

He says “I’m never getting married.” Then he gets married.
He says “We’re never having kids.” Then there’s a birth.
He says “We’re never moving to the suburbs.” Then they’re in the ‘burbs.
He says “We’re never getting one of those.” Then he’s washing a minivan.
He says “We’re not having another kid.” To his impregnated wife.

Finally, he says “I’m never letting go.” So far his track record is 0%. He’s ALWAYS done what he foreswore. Thus, if there’s one more scene in this commercial, he’s running away with his secretary.

Brickman > SteveLehto 07/27/2015 at 13:23

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Annoying commercials, but now I miss mayhem :(

SteveLehto > Brickman 07/27/2015 at 13:23

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I’m sure he’ll be back!

SasquatchElvis > krobert 07/27/2015 at 13:26

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lol. I watch maybe 2-3 hours of recorded TV a week and skip commercials. I guess we should all stop watching racing then since there are sponsors, and stop buying cars because they have logos. You should probably kill your computer since you get email and ads there too. Or we should ban you from the internet because your 5.0 picture is obviously an ad for Ford placed by the marketers.

I have my own brain which I use to make my own decisions, thank you very much.

Racescort666 > SteveLehto 07/27/2015 at 13:32

1

While the thought of launching your car into space seems like a bit of a waste, SpaceX has you covered if you’d like to launch a bus into space. The Falcon 9 has a payload capacity just shy of 29,000 lbs and a fairing capacity big enough to fit a bus into. For reference, IC Bus lists GVWR ranges of 23,500-33,000 lbs.

CitronC > SteveLehto 07/27/2015 at 13:32

1

I find the indignant diatribes they have over obvious things the worst. Using property insurance makes rates go up? Cars depreciate? It’s like these people live in a vacuum where reality doesn’t have any influence, makes me actively not want to be a customer. I at least find the preposterous Farmers ads and random mayhem funny at times. And though I loathe the baby ad I have had many people imply that was me.

Takuro Spirit > AeroStang 07/27/2015 at 13:33

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I deal with a lot of body shops and they all agree, Geico is HORRIBLE.

And don’t get me started on State Farm’s “Parts Trader” bullshit. Makes me want to crash a baby into a hydrant.

ThePriceofEggsinMalta > SteveLehto 07/27/2015 at 13:33

2

I completely agree that it’d be nice if marketing gave us any useful information about the products they’re selling, but that only happens in modern advertising under very specific circumstances. It’s not like this is unique to insurance. The Most Interesting Man in the World doesn’t tell us anything about Dos Equis. Giant talking pieces of candy locking themselves in an airplane bathroom don’t tell us anything about M&Ms. Tony Hawk taking his skateboarding kids to a shut-down amusement park in a Mini doesn’t tell us anything about the Mini, other than, like literally every other car being sold today, it can drive on smooth dirt roads.

The only way a given advertisement will tell you anything about the product is if market-testing has shown the company that the public does not know enough about the industry or product in question, or if they believe they can position the product in question differently enough from its competitors that the public will give a shit (which is why Geico pushed that whole “you can sign up fast on the internet!” thing for a while—they were the first to do it, and now it’s their whole “everybody knows it duh” thing).

If the public generally knows the product and the company (as in the case with insurance, candy, beer, etc), and there isn’t a “sexy” way to differentiate the product from its competitors, then the marketer’s job is not to describe it. I mean, look at Aflac—the only way they could tell people they pay claims quickly is by having a freaking duck give women bad haircuts. Any explanations of anything more in-depth than that will bore the average idiot American instantly, so it’s far safer for a marketer to just give people warm fuzzy feelings related to the brand. Sadly, it’s most effective to flash a bunch of pleasing images and colors across the screen, make the person smile, and over the course of a few months or years of repeatedly viewing that same message, make people associate that brand with smiley happy feelings.

All of the above is why one of my bizarre occasional hobbies is to pause my TV when the fine print is on the screen, and look at all of the ways they basically say “ignore everything you’ve seen here, we make no guarantees that we’ll do any of what we just said, these people claiming to be users of our product are just paid actors who are saying the made-up shit we told them to say, and our product will probably give you cancer and kill you. You’ve been warned.”

Ah, the evolution of rhetoric.

Thunderchumpy > PhilP 07/27/2015 at 13:34

1

Jesus. All the stars for you.

Urambo Tauro > Birddog 07/27/2015 at 13:36

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I love the “Blind Spot” Mayhem ad. I know “Mayhem” is just taking pleasure in his job, but when he laughs in this ad, I feel like he’s actually laughing more at the driver for not checking the blind spot herself.

CitronC > SteveLehto 07/27/2015 at 13:37

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Yeah, Battle Creek didn’t take off so he’s got some free time.

mad.anthony > LongbowMkII 07/27/2015 at 13:40

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I miss Erin Esurance. I’d ding her exhaust, if you know what I mean.

krobert > SasquatchElvis 07/27/2015 at 13:41

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meh. Keep watching your precious TV.

Sejji > PhilP 07/27/2015 at 13:42

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I didn’t think about the commerical in that light until you brought it up! Commercial ruined!

Sn210 > PhilP 07/27/2015 at 13:49

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I’m so glad to know somebody else figured that out

Urambo Tauro > PhilP 07/27/2015 at 13:50

0

webmonkees > LongbowMkII 07/27/2015 at 13:51

0

That’s a fun shift. All those bored folks honing in on ‘let’s prank call the SF line at 3 am.. ask them what they’re wearing. ‘ 314 million, 40 main tv channels on repeat, it happens.

none8239487234 > SteveLehto 07/27/2015 at 13:54

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They have to be funny. Otherwise we would have nothing else but “we are a bunch of lie and deny scumbags that only exist to collect your premium payments”.

I just think it’s still kind of funny that they still try to put on the air of caring and being honest. Most people know by now. :)

My insurance company Progressive is run by the scum of the earth. They have tried to rip me off on countless occasions. The only reason I don’t switch is it’s inconvenient and all of the other companies out there are just as bad.

SasquatchElvis > krobert 07/27/2015 at 13:58

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meh. Keep trying to convince yourself that you aren’t constantly exposed to advertising and marketing simply because you don’t watch TV.

Drakkon- Most Glorious and Upright Person of Genius > ThePriceofEggsinMalta 07/27/2015 at 14:03

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No M&Ms that have seen an airplane bathroom. None. Ever.

KentB27 > SteveLehto 07/27/2015 at 14:03

2

My dad has worked for Farmer’s insurance for 30 years. The Yeti commercial is the first good commercial they’ve put out in years. Those University of Farmer’s commercials were pretty awful and weren’t funny. He ripped the marketing and advertising department a new one for how bad their commercials sucked before. Maybe they listened to him.

71 BugMan > SteveLehto 07/27/2015 at 14:22

3

At least its not those idiots at Liberty Mutual who don't know how rates work (they do, in fact, increase with each incident because business) or how cars work (g..damned torque ratios?!?). The general public may be dumb, but don't insult my intelligence.

DipodomysDeserti > AeroStang 07/27/2015 at 14:23

1

A girl blew a red light and ran into the side of my wife’s car (who was pregnant). We both had Geico, who tried to say my wife was at fault in order to avoid paying for our medical bills. They BS’d me for a few weeks until I got a signed witness statement from a prominent lawyer who also happened to be a member of my state’s Board of Regents. They sent me a check the next day. Bunch of fucking assholes.

NateDogg4d4 > SteveLehto 07/27/2015 at 14:29

1

This isn’t insurance marketing related, but I recently had to file my first insurance claim in 19 years of driving. I guess that makes me lucky?

I have Allstate. And the process was pretty painless. It was a fender bender for both me and the other driver. It was a 6 lane road, 3 in one direction. I was in the right lane and the other driver in the left, we both wanted to get into the middle lane and basically merged into each other, neither of us saw the other until we collided. We both had Allstate, so I don’t know how much easier that made things, we both had separate claim agents.

It ended up being 50/50 at fault, so we each got half of our deductible paid by the other and it didn’t count against my accident forgiveness. It has to be at least 51% to count as at fault. This was the first time either of our claims agents had seen a 50/50 fault accident.

SidewaysOnDirt still misses Bowie > SteveLehto 07/27/2015 at 14:31

6

I’m here to pick up some cold cuts for a Mr Clarkson.

drdude > SteveLehto 07/27/2015 at 14:31

4

!!! UNKNOWN CONTENT TYPE !!!

You forgot how you need multiple spreadsheets of torque ratios!

drdude > SteveLehto 07/27/2015 at 14:33

1

How about this big one... if you didnt do anything wrong and *wham* someone hits you... THEIR insurance will be paying for YOUR vehicle. What you buy doesnt even matter at this point.

However, if you didnt see what was coming and *wham* you hit something.... its your own fucking fault, and of course you dont get a shitload of money from your insurance company.

G42dog > AeroStang 07/27/2015 at 14:45

2

I’ve had two claims over a very long period with Geico, and they were both handled promptly, reasonably, and with pretty decent customer service. The adjuster was good (both at dealing with cars and with people), their communication was clear. Can’t stand their advertising, and don’t really feel attached to them, but their rates have been competitive, and they’ve definitely not given me any reason to switch elsewhere. That’s really all about I can expect out of an insurance company.

AeroStang > G42dog 07/27/2015 at 15:04

0

I’m glad you have had a good experience, I wouldn’t wish otherwise- but you are lucky, and apparently unlike the people near me. After a week of calls and emails, the apathetic idiot handling my claim responded. He lied and lied and lied, BSing me left and right. When he stopped responding, his supervisor took care of it for me, and told me to go to shop X (closest shop they were “affiliated” with) that was an hour away, that would cut me a check on the spot. This shop looked at me like I had five heads. Years ago they were a shop that agreed to do business with them, but they no longer take their claims. They STILL had a car on their property that was approved for repair, but they haven’t received payment yet- the owner just gave up (WHAT?!?!). An hour on the phone in front of the shop later, they overnighted me the check.

N@tedog > PhilP 07/27/2015 at 15:11

1

First time I saw that ad I said the exact same thing outloud. He’s a LOSER!

Eric @ opposite-lock.com > AeroStang 07/27/2015 at 15:21

0

It’s because they’re terrible. Their claims of such high customer satisfaction must be based on a very creative questionnaire or they exclusively poll customers that have never made a claim.

They probably also wish they could attract a single decent customer. I’ve been hit by a number of their drivers and they invariably either tried or succeeded in avoiding paying out. I passionately hate them.

There are some people that they dupe into signing up, but as a rule, people that must stoop to them should simply have their licenses revoked. If they can’t afford insurance with someone else due to their driving records, they are definitely not good enough drivers to be on the road.

G42dog > AeroStang 07/27/2015 at 15:23

0

Wow, that’s sketchy. My experience lines up with that of others I know - and compares favorably with what I hear from friends. But that’s a small sample. So if you had a bad experience, and the same is true of people in your circle, it makes me wonder whether insurance administration is more of a regional issue than I thought. It’s either that, or there’s no pattern here, and your experience, or my experience, or both our experiences is/are atypical. Sure would be nice to have a clear idea, like independently verified consumer ratings.

3 pedal rower > SteveLehto 07/27/2015 at 15:25

1

Dude! “Torque curves.” I’ll leave now, thank you.

Eric @ opposite-lock.com > SteveLehto 07/27/2015 at 15:33

1

I lump them with Geico at the bottom of the food chain. People that must stoop to these options are people that really shouldn’t be driving cars...

Kahless > SteveLehto 07/27/2015 at 15:34

0

hey now don’t be talkin bout my mayhem commercials. I like the conehead state farm commercials too .

codeonthis > Urambo Tauro 07/27/2015 at 15:36

2

I was having a depressed episode over a year ago where I told my best friend ‘hey how about you kill me.’

They said no, then I whispered “you’re one of the people that’ll receive a payout, so I’ll PAY you to kill me.”

Shit was so funny it knocked me out of my depressed state and has become a huge running joke that has developed into “no I won’t fucking kill you cause your family is also gonna receive a payout and they’ll do stupid shit with it and I AM NOT GONNA ENABLE THEM.”

SteveLehto > 3 pedal rower 07/27/2015 at 15:36

0

So much has been written about them already I decided to use other examples.

But yes, that is a classic.

SteveLehto > Kahless 07/27/2015 at 15:37

0

I have mixed feelings about the Coneheads. I HATE the Hanz and Franz ones. Those guys weren’t funny on SNL. Why bring them back? But the Coneheads were funny . . . .

James_Hetfields_Dipthong > SteveLehto 07/27/2015 at 15:52

1

I don’t even care that their commercials are so stupid. I just resent that we must watch a mimum of 50 per hour.

SerialThriller > Urambo Tauro 07/27/2015 at 16:17

1

I understand saying “never” to a minivan, but giving up the 67 Camaro is especially painful.

SerialThriller > none8239487234 07/27/2015 at 16:18

0

Given that we are legally forced to buy car insurance (nice racket for them), you’d think they wouldn’t have to advertise sooooo much.

ProzacElf > SteveLehto 07/27/2015 at 16:29

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The problem is, as far as I can tell anyway, that base level auto insurance is one of the most fungible consumer products around.

I’m making a relatively broad assumption that any insurance company is going to try to screw you, especially if you only carry auto insurance through them. But if that is true, then the only real ways to attract customers are lower premiums or more “entertaining” commercials.