Don’t fall for false insurance advertising

By Dave Carew

If you’re like me, what you DON’T understand about car, home, and business insurance could pretty much fill LP Field. That’s why I’m so grateful that my friend Dave Yates handles all my insurance for me. Over the past six years, Dave has been an amazing ally “in my corner”—helping me understand what I need, what I don’t need, and how to get the best insurance value for my dollar. And he delivers all that with second-to-none personal service.

Dave also offers his customers great advice via his blog. He kindly allowed me to quote from it, because I believe many people don’t understand—and therefore can be fooled by—false insurance advertising. Here’s part of what Dave recently wrote:

Seems like every other insurance company commercial tells us, “People who switch to Company XYZ save an average of $468 on their car insurance!”

This advertising refrain has been a pet peeve of mine over the years because it very cleverly tells you absolutely nothing! Why? Because EVERY insurance company can make that claim. They’re only counting the savings of people who DID switch to them, NOT everyone who received a quote. They don’t mention that many more potential customers decided not to switch because they would have paid an average of $468 more! There’s far more to insurance than just saving money!

I majored in Advertising in college, and love to analyze ads in all media to see what makes them tick. And all these price-focused insurance ads really tick me off! They’d have us believe that buying insurance is just like buying a box of cereal, where flashy packaging and low price is all that matters.

As I’ve said in this blog before, insurance is not a commodity, and shouldn’t be purchased in 15 minutes online or with a 1-800 number.  Companies are different, coverages are varied, and it is essential to discuss your individual insurance needs with a competent insurance agent here in Williamson and Davidson counties who is familiar with, and who cares about, your specific situation. Like me, for instance!

For more information, call (615) 778-1816 or visit:

David M. (Dave) Carew is writer/editor of “Underground Nashville” and the author of the novels “Everything Means Nothing to Me: A Novel of Underground Nashville” and “Voice from the Gutter,” both now available at Dave also is a freelance book editor, publicist, seminar and workshop leader, journalist, and advertising / marketing / public relations writer.

Everything Means Nothing to Me: A Novel of Underground Nashville by Dave Carew—which was praised by The Tennessean as “beautiful, haunting, powerful”—is now available in an all-new paperback edition. For more information, please visit and “like” the page on Facebook:

Do you want to help homeless people in Nashville learn culinary arts and other employment skills that provide a specific, effective path off the streets? Please visit and consider making a financial contribution. Any amount is very helpful and appreciated. Thank you.


Editor’s Note: “Underground Nashville” covers artists, authors, musicians, poets, political figures, and other compelling people and happenings not typically covered by the mainstream Nashville media. It also presents reflections and commentary from an underground/indie perspective, offering “thoughts from the shadows of a great American city.”

Dave Carew




One Response to “Don’t fall for false insurance advertising”

  1. Deryl Martin Says:

    Not only what Yates says, but also that many switchers lower their coverage which would naturally save money

    Deryl W. Martin, PhD

    Heidtke Professor of Finance

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