Are Big Insurance Ads Making Your Premiums More Expensive?

Everywhere you look—TV, radio, YouTube—you’ll see big-name insurers like GEICO, State Farm, and USAA spending billions on ads. But here’s the question: are those massive ad budgets actually helping you, or are you the one footing the bill?

✔️ How much the top insurers spend on advertising (billions each year!)
✔️ Why 3–6% of your premium dollars may be funding commercials
✔️ The hidden drawbacks of big-box carriers (call centers, one-size policies)
✔️ What makes independent agents different (40+ carriers, tailored coverage)
✔️ Real reviews: customer frustrations with service vs. personalized help

💡 Insurance isn’t about who has the catchiest jingle—it’s about who has your back when you need it most. Let’s look at the difference between big advertisers and independent agencies.