
On a more serious note statistics at car-accidents.com report that in 2006 more than twice as many men died in auto accidents than women; so maybe the commercial does have a point no matter how offended I may have gotten. Data that doesn't just measure fatality rate states that women get into more accidents per million miles driven, but this is only a slight number, 5.7 vs 5.1. This statistic comes from scienceagogo.com.
From a marketing perspective this commercial draws from a functional or utilitarian value in a entertaining way. They are advertising that women are safer drivers and should be rewarded with their own insurance company. Which also pulls a little social value because women should be included in a group insurer that only takes women. I don't think that this advertisement and this brand of car insurance has enough pull to take business away from the bigger named insurers. Why would a female choose a broker that makes fun of men over a broker that keeps them safe and focuses on doing just that. But, I must admit I have never understood women, and I am certainly no master of the choices they make.
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