If I didn't think families were being harmed, I would have a small amount of admiration for insurance companies like Progressive and GEICO. They spend literally BILLIONS of dollars on advertising trying to convince consumers that insurance is all about premium and "discounts". And they are successful at it! Why do they do this? Because they have no real ability to provide three things that agents do:
1) Leadership
2) Relationship
3) Creativity
And because they can't compete with real expertise, they create fake people like Flo, the gecko, and cavemen to convince people that insurance isn't really that important. Their ads are witty, and their message is well-veiled behind the entertainment value; don't consider insurance important for your family, just follow our yellow brick road to the magical land of cheap and easy.
All this is fine until you actually need what you spend a lot of money on. Just wait until you have a loss and then be prepared to bear the consequence of following a caveman's "advice". Your prehistoric coverage might send you and your finances back to the stone age.
