Hmm, I don't use any of those companies for my car insurance. I use Blue Cross blue Shield for health, and haven't seen them advertise in for ever. My home owner's insurance is from State Farm, who also almost never advertise. The banks and credit cards I use are usually not ones I get advertisements from. My bank that I refinanced with, or opened a home equity loan with, does not advertise. My phone service from Skype doesn't send me adverts. I get some advertising from competing internet and electric companies, but upon researching their price structure, I find out they are more expensive, and dismiss them. Places where I shop for groceries don't advertise. Neither does my car mechanic. Most of the services I use I know about either due to word of mouth, or because I went online and did some research to find what kind of business and prices are out there. So, that's kind of my point. People who get duped will get to pay higher advertising costs. People who have learned their lesson will not.