The decline in rates for cars mean more ads, competition

Sacramento - The cave men “, a sign of a television ad Geico received his own television series. Allstate sponsors College Football’s Sugar Bowl. Aliens of the planet Mercury on suspicion of maintaining rates.

If you think there is a quantity of auto insurance ads on television, a few madmen and other singles, you were right.

Over the past five years, Germany, spending for ads zoom from 26 to 10 between categories of business done by TNS Media Intelligence - $ 393 million in 2001 to $ 1 billion last year.

“I think the market at the moment, it is as competitive as I’ve ever seen,” said Saturday Sorich, president of the Association of California Insurance Companies.

“Only Red Hot”, he said. “Companies to reduce prices. There were some good profitability, and hence, more aggressive companies.”

Experts say the reason for the decline in long-term rates is a decrease in the frequency of requests, focused on improving safety, such as airbags, door-Side guards and anti-lock brakes.

The average expenditure for auto insurance in California in decline began two years ago, to fall to $ 845 for basic coverage for $ 847, according to the latest data from the National Association of Insurance Commissioners.

CA 18 ranking among the country during the year 2005 above the national average of $ 829, but well below the average expenditure over $ 1100 in New York, New Jersey and Massachusetts.

Although the national average in recent years are not available, the trend towards lower rates in California goes further.

The State Department of Insurance approved $ 789 million in auto rate cuts during the last year from 4 percent to 7 percent, 77 for the insurer to $ 20 billion in California.

In Gerangel for customers, observers say Geico is the transformation of nature and the way auto insurance is placed on the market.

“The extent of advertising by the coup roof,” said Brian Sullivan, editor of self-insurance report a weekly newsletter published by the information risk to Dana Point. “The main reason is that Geico has proven that they can to make it work.”

Sullivan said the increase is “a catch-up” for self-insurers, expenditures have been relatively little on advertising for a business represents $ 150 billion per year, the economy in Germany .

Spending on all types of advertising for insurance rose from $ 1.7 billion in Germany in 2002 to $ 3.5 billion in 2006, according to Dowling & Partners Securities in printed form in the May edition of Sullivan’s 28 Newsletter.

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