According to "Mini Mo" you could be paying for way more auto insurance than you need. Why should you pay for anything beyond the minimum required by law? That insurance doesn't do anything for you - it's just some nanny-state government over-regulation. Isn't it?
When I hear these ads promoting conduct that meets the absolute minimum required by law, I think about the phrase "law abiding gun owners." Does that mean gun owners who meet the absolute minimum requirements of law while constantly arguing to further reduce the minimum requirements? Like ads promoting people driving around with minimum insurance, that doesn't make me feel very safe.