Most bizarrely almost all of their advertising seems to have the same script: "switch to us and save money". Some even go so far as to mention you can call them when there is an incident, but you'd think that is standard!
The regular wording is really sneaky : "99% of customers that switch to GXXX save money". That's completely to be expected : The only people that have an incentive to switch are those that would save money.
It would be far stronger if the wording was "99% of customers would save money by switching to GXXX" - which is seductively similar, but completely different.
Maybe it is because I'm not a US citizen, but the premium price is the second most important factor to me. The most important is what will happen when there is an incident. The insurance company could quite easily deny you, drown you in paperwork, abandon you to lawyers, make your life miserable etc. Or they could be a delight. Any company can take your money, and any company can take less of your money. That is the easy bit.
I actually pre-emptively switched from Farmers to CSAA because of this. farmersreallysucks.com has lots of reasons why although it seems some industry deployed software named Colossus really helps in annoying customers.
This same thing must be why Americans are so confused over healthcare. Each individual believes they are indestructible so why should they pay for other people's health when no one will ever need to pay for theirs. Pay the least amount in car insurance since you'll never be in an accident.
I think it's something most people haven't learned yet, or at least the advertising hasn't caught up with. After getting screwed by Geico on a claim, I'm certainly more aware of this.
