Insurance Commercial

Today I saw a insurance commercial where they offering "pick your own price". This is very scary because in order to fit insurance to the price that someone wants you have to shave away coverage. This is a horrible marketing tool because it'll make them money and in the long run make millions of their customers under-insured. Not every person is the same and for that a pick your own price would never work, your price is different because what it costs to insure you is different than your to insure your friend.