The insane rising COST of Auto and Home Insurance is very (simple!). IT HAS NOTHING TO DO WITH YOU if your a safe driver! Let me ask you this. How much does anyone think it cost to run ads/ (called campaign ads) on TV cost??? I have cable only... that offers 60 channels. I can change and run through them every 15 minutes when ads for the most popular products are offered for sale, ie: cell phone offers/fast food/drugs/health care/movies and low and behold... Auto and Home Insurance... using actors to boost their sales. Be it 15 seconds all the way up to 1 minute. Most auto insurance TV ads run around 30 seconds plus. An ex basketball star that seems to push anything if the money is right. Also movie actors, ect are used and cost a ton of money. I know from a personal friend that showed me what PRIME TIME TV ADS cost. Let alone the all day off prime time ads that Insurance company's run. Just think about 2 million dollars a pop PRIME TIME. Plus the paid cost to the sell out's that push the products. That get paid every time it shows. I'll ask you all that are reading this a challenge... Count the Insurance company ads that come on your screen as you flip through the channels. I have counted an average of 24 every 15 minutes. Now keep in mind I only have 60 channels. So I'll let you do the math. This is the REAL REASON AUTO INSURANCE COST has gotten out of hand! Most of these company's are only shoppers and NOT the real company that has your back if you ever have a accident. These INSURANCE Company's make HUNDREDS of BILLIONS of Dollars and INVEST into REAL ESTATE and much, much more. They are the go to lenders of the world for loans. Making more dollars that you could ever even dream of and have taken control over most of our everyday life & personal thoughts and decisions. All USA States require it which I do agree with... we all should have for a just in case an accident, ect should happen. Bottom line is. HUNDREDS of MILLIONS of DOLLARS spent A DAY on trying to get you to call and buy needs to be called out on their spending! That also is a HUGE TAX write off for just so called doing business! ANY IDEAS???