Auto Insurance
Luke’s real life auto insurance quote came back at 303 dollars a month. Luke got pissed… and put his new webcam to use. (Like all of our stuff, it’s scripted.)

Its about economy of scale. When you sign up for healthcare coverage, you join a group of other people to combine your healthcare purchasing power. Your insurer covers the whole group, rather than individuals, so everyone shares the cost of staying healthy.-Stay Smart Stay HealthyStay Smart Stay Healthy was created by Edward Batchelor at Humana Inc. as a new-media venture designed to deliver guidance, and to support awareness and understanding of the healthcare industry. His goal was simple: to educate consumers on the healthcare system by removing the usual complexities and replacing them with an informative and engaging series of videos.
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By Calvin, February 20, 2012 @ 9:37 am
hahahahahah…..can u joked with us?????
By Curtis, February 20, 2012 @ 9:44 am
“Nice try, Pervert”
By Jack, February 20, 2012 @ 10:05 am
@NorwayMAN88 notice the “based on a true story” at the very beginning? you completely missed it didnt you?
By Peter, February 20, 2012 @ 10:08 am
@NorwayMAN88 …..lol wow. That’s Joe on the other line, it’s comedy. It’s not an insurance guy, it’s Bereta: Joe Bereta. The guy talking is Luke Barats
By Ross, February 20, 2012 @ 10:49 am
He reminds me of John Green in this video.
By Herbert, February 20, 2012 @ 11:01 am
i dont think i have ever laughed so much from watching youtube videos until i found these guys.
By Nathan, February 20, 2012 @ 11:05 am
hhi
By Ernest, February 20, 2012 @ 11:23 am
@OrangeMonkeyProD What?
By Gilbert, February 20, 2012 @ 11:51 am
@RitzDaCracker1 ya but was it a real phone call or someone they knew
By Andy, February 20, 2012 @ 12:49 pm
@djlegacy96 it says in the description that its scripted. Still a genious skit
By Ronnie, February 20, 2012 @ 1:46 pm
haha this has to be a setup
By Leroy, February 20, 2012 @ 2:03 pm
haha, I adore this insurance guys patience and profesionalism
By Jack, February 20, 2012 @ 2:42 pm
@FDGMWR You shouldn’t use quote marks when you don’t actually quote what the person said
By Herbert, February 20, 2012 @ 3:33 pm
@MrGoodguy721 You are not rolling on the floor you are typing a comment
By Lawrence, February 20, 2012 @ 3:50 pm
That´s amazing. I am rolling on the floor laughing…
For good car insurance quotes go here tinyurl dot com /82skd58
By Shane, February 20, 2012 @ 3:59 pm
this is hilarious
By Gregory, February 20, 2012 @ 4:30 pm
“nice try you pervert”
By Leonard, February 20, 2012 @ 5:11 pm
Nice try, though, pervert.
By Clarence, February 20, 2012 @ 6:10 pm
Luke is Matthew Perry?!?!
By Ted, February 20, 2012 @ 7:02 pm
“statistics have shown that male drivers are a higher risk.”
well only to explenations here
woman stopped driving
or a higher risk at gettin save from point A to point B
so imma guess they charge woman more
By Edward, February 20, 2012 @ 7:50 pm
CALL TOLL FREE FOR 888-654-2033
You are able to get the best prices from multiple providers. Free competitive insurance quotes for California residents
California drivers looking for auto insurance and California residents looking for homeowner’s insurance CALL TOLL FREE FOR / FREE OUOTES 888-654-2033
By Herman, February 20, 2012 @ 7:59 pm
need a new insurance company? give Allstate a call 1-877-618-7803
By Leslie, February 20, 2012 @ 8:07 pm
Luke = Jeremy Renner? kinda confuse much
By Willie, February 20, 2012 @ 8:08 pm
HAHAHAHAHAHAHAHA
By Isaac, February 20, 2012 @ 9:06 pm
@volocom7 Aw man my fave song pops up when I thumb you down and flag you for spam
By Rodney, February 20, 2012 @ 9:56 pm
In theory this is true. However, Insurance companies are “for profit” companies, naturally,, and therefore need to make money on your premiums. They do this by investing the money you pay into your premiums, just like banks do. The burden of your healthcare is not borne out by your “group”, but by the profits the company makes on your policy; to be more precise, the profits made on your group’s policies. This is why there is an incentive to deny you your benefits.
By Joshua, February 20, 2012 @ 10:14 pm
Jesus, Gary sucks
By Billy, February 20, 2012 @ 10:54 pm
@chetdude whats funny…if you would rather have social health care. insurance companies would only get fatter, richer, and have more obscene profits. Who do you think is helping write the legislation? lol, don’t be stupid man, big companies are here to stay and thats how it is.
By Leroy, February 20, 2012 @ 10:56 pm
Nice ad, but what if one of those group members isn’t careless and never has to draw on insurance? What then? Their money just goes down the toilet. It’s impossible for each group member to benefit equally from this money pool; why don’t people direct their hard earned capital elsewhere and just be accountable for themselves? Or, if they still wish to adhere to this “safety in numbers” idea, they could form their OWN insurance group. No middleman needed.
By Erik, February 20, 2012 @ 10:59 pm
great simple an effective vid.
Of course the amount you pay for your cover vaires by insurer and this isn’t addressed.
You really need to get quotes from multiple providers to make sure you’re getting the best deal around.
Sites like cheapest-insurance. info can help a lot with this
By Frank, February 20, 2012 @ 11:21 pm
Dosn`t matter if you’re looking for a cheaper rate or a different coverage plan altogether, we can help
By Keith, February 20, 2012 @ 11:41 pm
I think in Gary’s case, it wouldn’t be health insurance, but more like life insurance. I still don’t understand insurance, especially health and auto. I mean most times, you’re denied coverage anyway, and that’s even if you pay your premiums.
By Duane, February 20, 2012 @ 11:50 pm
You can NEVER make a complainer happy. No matter what “they” will always see the glass Half Empty and complain about it.
This video is well put together simply as an education…Period. STOP whining about everything.
By Duane, February 20, 2012 @ 11:58 pm
It looks like this screed was created by an insurance company.
They conveniently left out their obscene profits, fat executives with their perks and their armies of claim deniers…
By Curtis, February 21, 2012 @ 12:16 am
HUGE problem! Only explains the risk model – poorly. Health insurance has a fiduciary responsibility to the SHARE-holder not the POLICY-holder. This means that companies are required by law to increase the value of a share over the “public good” Adhering to legality avoiding morality.
Save your money – spend it instead on good food, use that gym membership/equipment that you bought, get some sleep, turn off the TV, and enjoying your family. That is the best risk mitigation!
By Floyd, February 21, 2012 @ 12:40 am
what? why is it $0.00?
By Leo, February 21, 2012 @ 1:16 am
America should just become socialist. So much easier
By Kevin, February 21, 2012 @ 2:15 am
or maybe it’s an attempt at explaining how insurance works, which few people understand. by your comment i doubt you do either. now that i watched it it’s actually a pretty poor explanation though, like the one i would give 5th graders.
By Frederick, February 21, 2012 @ 3:02 am
socialism isn’t voluntary is it? and insurance is risk mitigation.
By Michael, February 21, 2012 @ 3:35 am
why would someone cover you for pre-existing conditions? if you get in a car accident do you then get car insurance?
By Dan, February 21, 2012 @ 3:48 am
I agree with it very much as I am a good Example….My Insurance Company pay all my BiLL…..
By Patrick, February 21, 2012 @ 4:29 am
i hate living in the US
By RogerMorgan, February 21, 2012 @ 4:48 am
Excellent info – thought your use of graphic effective – well done!
By Earl, February 21, 2012 @ 5:29 am
this is awesome.
By Jose, February 21, 2012 @ 6:12 am
hi: new zealand costs: broken leg and pregnancy=$0.00. wake up america
By Shawn, February 21, 2012 @ 6:50 am
When you sign up for coverage, you join a group of people who help the insurance company lobby in Washington!
By William, February 21, 2012 @ 7:26 am
This is the way it works? Not so fast! Who pays the insurance company’s employees? Why doesn’t BlueCross/BlueShield pay taxes? How does BlueCross afford to spend $2.3 million on lobbying? My money goes to help my neigbors? Not so! Only a portion goes to helping my neighbors, and another portion goes to paying salaries and lobbyists.
By Harold, February 21, 2012 @ 7:37 am
thank you
By Terrance, February 21, 2012 @ 7:39 am
This is not the American model. Insurance companies get majority of there money from the healthy and when a healthy person gets sick they get dropped.
By Ted, February 21, 2012 @ 7:48 am
yup clearly this video leaves out people with pre-existing conditions and the fact the insurance company is trying to make a huge profit .
Im british and for some things trying to make a profits fine but not for a healthcare system