Are they really saving you money?

How can a carton character advertise “we’ll review your policy and make sure you are only paying for coverage you need….” Apparently this cartoon should also buy a lottery ticket because it can predict the future.

How is it that you will know the coverage you need or do not need.  Maybe you do not need coverage for a rental car if you already own three cars.  Maybe you have AAA and do not want to pay for towing coverage.  Ok, I understand.  But what about No-Fault coverage, do you really want to take only $50,000 in coverage because you may not “need” $175,000?  No thanks I’ll take $175,000.