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Are you implying collusion? Have you noticed the massive amount of money the competing car companies spend on advertising? Have you ever suspected collusion w

Are you implying collusion? Have you noticed the massive amount of money the competing car companies spend on advertising? Have you ever suspected collusion when you shopped for your own car insurance?

wtallis 9y ago
> Have you noticed the massive amount of money the competing car companies spend on advertising? Have you ever suspected that maybe they put so much effort into advertising because it takes a lot to get someone to bother to switch insurers?
- dogruck 9y ago
  Why do you think people are reluctant to switch? Perhaps because the market is so competitive that there really isn't much difference between the offerings?
  - pwinnski 9y ago
    All these hypotheticals! I don't switch because it's a pain to even try. I've had experiences in which a price I was quoted turned out to be lower than I was actual billed, so I don't have a lot of confidence that I'll get a straight answer if I do ask for quotes for new companies. I'm not sure I have accurate answers for questions they might ask. So I keep paying whatever, even though it's more than I like. For all I know, I could be paying half as much elsewhere. This is just the company I've been with for many, many years.
    - dogruck 9y ago
      Yes, it is a multidimensional competition. Price is not the only variable. So is service when you make a claim (I've been "screwed over" twice when making car insurance claims). And so is obfuscation of services provided. So is money spent on advertising. And lobbying. All insurance companies compete with a unique strategy on the mix of variables.
  - icantdrive55 9y ago
    'So competitative' Wow--I just don't have the energy. The reason why I don't switch is for many reasons. 1. They make it difficult. 2. My car doesn't have a computer. 3. They make it difficult. It comes down to the Insurance industry owns us. They pay our politicians, and we pay. https://www.opensecrets.org/lobby/top.php?indexType=i https://www.opensecrets.org/lobby/top.php?indexType=i

wtallis 9y ago

> Have you noticed the massive amount of money the competing car companies spend on advertising? Have you ever suspected that maybe they put so much effort into advertising because it takes a lot to get someone to bother to switch insurers?

dogruck 9y ago
Why do you think people are reluctant to switch? Perhaps because the market is so competitive that there really isn't much difference between the offerings?
- pwinnski 9y ago
  All these hypotheticals! I don't switch because it's a pain to even try. I've had experiences in which a price I was quoted turned out to be lower than I was actual billed, so I don't have a lot of confidence that I'll get a straight answer if I do ask for quotes for new companies. I'm not sure I have accurate answers for questions they might ask. So I keep paying whatever, even though it's more than I like. For all I know, I could be paying half as much elsewhere. This is just the company I've been with for many, many years.
  - dogruck 9y ago
    Yes, it is a multidimensional competition. Price is not the only variable. So is service when you make a claim (I've been "screwed over" twice when making car insurance claims). And so is obfuscation of services provided. So is money spent on advertising. And lobbying. All insurance companies compete with a unique strategy on the mix of variables.
- icantdrive55 9y ago
  'So competitative' Wow--I just don't have the energy. The reason why I don't switch is for many reasons. 1. They make it difficult. 2. My car doesn't have a computer. 3. They make it difficult. It comes down to the Insurance industry owns us. They pay our politicians, and we pay. https://www.opensecrets.org/lobby/top.php?indexType=i https://www.opensecrets.org/lobby/top.php?indexType=i