This is exactly my point. It's not like they have to convince me I need to buy insurance. I have no choice in the matter. There hasn't been one iota of change in my years of buying insurance that has been influenced by marketing. The ONLY thing that is going to make me change companies is a bad experience with one, staggering rate differences, or the biggest one, word of mouth. I see it as kindof like mortgage companies. They don't have to advertise either. When I need one, I'll find one. And it won't be the one that spends the most $$$ on advertising.

Let me ask you, would you use an attorney that advertised on TV? I know I wouldn't. How about a dentist?