When we take a seat, put our feet up, and switch on the television, our goals are to be amused, to feel emotions (both joy and sorrow), and to laugh. However, there are a few commercials that we are more than prepared to wait through. Ask yourself: Have you ever stopped fast-forwarding just to watch one commercial because you thought it was funny? It seems that the funny commercials out there are the ones that are for direct auto insurance. This is because they can take the worst possible outcome and turn it into something funny.Â
Direct Auto Insurance Commercials
If your company car is involved in an auto accident, having commercial auto insurance protects your company from the potential financial fallout. In essence, it is a contract between you and the insurance provider that you have chosen. According to the terms of your direct commercial auto policy, you have agreed to pay the premium amount, and your insurance provider has agreed to compensate you for any damages you may incur.
The coverage, exclusions, classifications, and limits of commercial auto insurance and personal auto insurance vary significantly. It is not always the case, but there are situations in which personal auto insurance coverage may be sufficient for a small business owner who uses their car for work-related activities. However, this is not the case in all situations.
If you are having trouble finding an auto insurance company that will sell you insurance due to a spotty driving record, lapse in insurance coverage, or low credit, direct auto insurance may be an alternative for you. Although its optional coverage choices are limited, direct auto insurance provides a fair menu of insurance discounts.
To ensure that you have the appropriate level of coverage for your needs, it is essential to have a conversation with your insurance agent regarding the distinctions between personal and commercial auto insurance.
Direct Auto Insurance Commercials: What It Covers
Like personal cars, many states require commercial vehicles to have a certain amount of auto insurance. Taxis and other vehicles that transport people for a fee, as well as vehicles that carry dangerous materials, may need more insurance. You can opt to add extra coverages to your insurance if you want more protection in addition to the minimum commercial auto coverages that are required by law in your state. The following commercial coverage options are available from direct auto insurance:
#1. Liability for bodily injury and property damageÂ
If you or an insured driver causes an auto accident that hurts someone or damages their property, these coverages can pay for damages to others up to the limits of your business auto insurance policy.
#2. Bodily Injury by Uninsured and Underinsured MotoristsÂ
As long as your policy limits allow it, these coverages can help pay for your medical bills and other costs related to an accident or hit-and-run caused by a driver who doesn’t have liability insurance (or not enough of it to fully cover your claim). In many places, bodily injury coverage for uninsured and underinsured drivers is required. You may also need uninsured driver property damage coverage in some states.
#3. Insurance for Medical Expenses
Anytime someone gets hurt in your car and your insurance covers the funeral, hospital, or medical bills for an insured driver or passenger, this extra coverage can help pay for them, even if someone else was at fault.
#4. Employer’s Non-Ownership Liability and Hired Auto
This extra coverage can protect you from liability if you are driving a hired, leased, rented, or borrowed car, even if the car is not owned by the company or registered with the company (like when an employee uses their own car for work).
#5. Collision Protection
Collision insurance is a supplemental policy that can help pay for the repair or replacement of a commercial car that is damaged in a hit-and-run, flips over in an accident, or hits something. There could be a fee for this plan.
#6. Comprehensive insurance
Depending on the circumstances, such as theft, vandalism, or a natural disaster, this coverage may pay to replace a car or fix damage to a vehicle. This extra coverage might come with a fee.
#7. Combined Additional Coverage (CAC) for Fire and TheftÂ
This extra safety is like full-coverage insurance for some heavy-duty trucks. Insurance for fire and theft with CAC can fix or replace a car that is damaged by a fire, theft, flood, earthquake, lightning strike, explosion, vandalism, animal accident, or damage that happens while someone else is driving the car.
Funny Auto Insurance Commercials
Our first introduction to auto insurance tends to come through car insurance commercials because they don’t exactly teach you about it in school. Instead of ads for other products, car insurance commercials take up most of the ad breaks. Only the most memorable car insurance commercials will ever stick in people’s minds because the majority of them are easy to get tired of or bothered by. Mascots, running ad series, and well-placed humor are some of the ways they’ve been used.
Thus, advertisements are a potent tool for companies to break through the noise and attract consumers’ attention in a crowded market, such as the insurance industry. This is why so many insurance companies put so much effort into creating engaging insurance advertisements.
Funny Auto Insurance Commercials: Examples
Most of the time, the funniest insurance ads stick in your mind forever. But your mind doesn’t just focus on what’s going on in the ad. The way the words rhyme, the background music, and the loud sound effects that awaken all of your senses draw you in. Everyone is affected, not just you. The point of these ads is to make you remember them after the show is over, and they do. Funny jokes shouldn’t get in the way of getting a fair insurance rate. The best auto insurance commercials are listed below, along with a brief explanation of why they are so memorable.
#1. Allstate: Mayhem Man series
As part of their Allstate Mayhem campaign, Allstate put out a bunch of ads for car insurance. They had a Dean Winters character named Mayhem who had a string of car accidents that demonstrated how crucial having insurance is. It’s a 30-second ad for Allstate’s accident coverage. In it, Mayhem pretends to be an emotional teenage girl who is driving while upset. Besides accident coverage, the company also offers optional accident forgiveness protection that promises customers stable rates after an accident, even if it wasn’t their fault.
#2. Geico: Happier Than a Witch in a Broom Factory Commercial
Famous for making likable and memorable figures, Geico’s mascot is Martin the Gecko. The insurance company started the “Get Happy, Get Geico” ad with director and musician Alex Harvey and actor and comedian Timothy Ryan in 2012. One of the 30-second ads promoted Geico’s famous discounts of 15% or more. When people move to Geico and save hundreds of dollars, the last line says they are “happier than a witch in a broom factory.”
According to its slogan, Geico, which stands for the Government Employees Insurance Company, can save people 15% or more on their car insurance. Their ads usually feature a gecko, but this time they swapped the scales and tail for a broomstick and a big broom factory.
#3. State Farm—Hot Tub
Before Jake from State Farm, there was Hot Tub, which is considered to be one of the best insurance ads of all time and became popular right away, inspiring song remixes and several parodies. In 2010, State Farm and the ad company Translation made this commercial. It shows three friends sitting in the living room when a window breaks. One of the men, whose insurance is through State Farm, then sings the company’s song, which brings his agent out. He told his friends to do the same thing. One asked for a hot tub and the other for a meal. No matter how bad the jokes and songs were, State Farm’s message was that if you choose them as your insurance company, you can rest easy knowing that an agent is always available to help.
#4. Progressive: Rate Suckers Commercial
Progressive Insurance is one of the best commercial car insurance companies in the US. They are like family businesses, just like the company’s rate-sucker ad says. Advertisements generally show a family when they’re not showing the group’s mascot, Flo. Young actor Carlos C. Torres plays a father and son on a car ride in the movie Rate Suckers. But scary animals called rate suckers show up and s*ck through the windshield. It is thought that their bad driving makes everyone’s car insurance more expensive.
#5. Nationwide: One-up
Are you one of those people who cringe at the thought of having to call their insurance company? Then allow me to share something that will resonate with you. This commercial for an insurance company that aired in 2016 portrays a couple’s funny antics as they try to avoid contacting their insurer and, in the process, make even more of a mess of their home. The purpose of this ad is to reassure potential consumers that, should they decide to go with Nationwide as their service provider, they will not experience issues of the same nature.
Funny Auto Insurance Commercials
How much a commercial car insurance policy costs depends on several things, such as the type of vehicles being insured, the size of the business, and the amount of coverage that is needed. Commercial auto insurance is more expensive than personal auto insurance because there are more cars, drivers, and risks involved with business use. We’re here to help you become more aware of and better prepare for commercial car insurance, which you will need if your business uses vehicles.
Factors that Can Influence a Commercial Auto Insurance Cost
Similar to a personal auto policy, many factors can impact your commercial auto insurance policy premium. The following list will give you a general idea of which elements influence commercial auto insurance costs. – note that these factors may vary by insurance company, state, and business.
- Driving distance
- Driving location
- Amount and type of coverage
- The type of vehicle
- How the vehicle is used
- The driving records of your operators
Funny Auto Insurance Commercials: How to Lower Your Costs
There are a few different things that you can do to potentially lower the costs of your commercial auto insurance, even though the cost of commercial auto insurance varies widely based on the type of business you own and the insurance provider that you go with.
- Make sure your deductible is high enough.
- Keep track of your cars in a safe location.
- Employ only drivers who have clean pasts behind the wheel.
- Try to find cars that are not only risk-free but also dependable and not overly expensive to fix.
- Make an investment in GPS tracking for all of your cars.
How much does State Farm pay for commercials?
According to Crain’s Chicago Business, State Farm shelled out $1.01 billion on advertising last year
Which insurance companies rely heavily on TV advertising?
In 2022, GEICO ranked as the most-advertised insurance brand in the United States, with a measured media ad spend of over 1.5 billion U.S. dollars. Progressive ranked second, with nearly 1.4 billion dollars invested in measured media spending.
What are the most expensive commercials?
The most expensive advertisement ever made is entitled No. 5 The Film and cost $33 million when it was made in 2004, which is equivalent to around $52 million today. The advertisement took the form of a very short film, lasting 180 seconds.
Which commercial was the most watched of all time?
A Doritos ad showing two men getting beat up in a gym for stealing someone else’s Doritos was seen by 116.2 million people on Super Bowl Sunday, making it the most-watched TV ad of all time, according to The Nielsen Company.
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