Why Do Insurance Companies Make So Many Damn Commercials?

It seems that ads from Geico, Allstate, Progressive, State Farm, Aflac, and Liberty Mutual comprise around 90% of all television advertising these days. It would seem like they're companies that exist JUST to make commercials. That wouldn't be such a bad thing if the commercials were good, but the majority of these damn things are awful. The Geico gecko and Aflac duck commercials are among my least favorite. It often appears as if there's no writing or effort put in at all. There should be companies that get paid just to make commercials the airwaves are filled with actually entertaining programs.

A bunch of rich bastards should buy up all the commercial time there is and air distinct shows during normal programming so that there are always 2 shows going on at once and they just alternate between each other. Hell you could even air another show that already exists and just put it in place of the commercials. As an example, you could be watching "Kitchen Warfare" or some dumb show and when the commercials came on instead of Flo from Progressive you see the intro to "The Simpsons" and they play 2-4 minutes of "The Simpsons" and then go back into the normal show. Then for the next commercial break they keep going and progress through that episode of "The Simpsons".

They could put product placement in the episodes of the shows being aired as commercials, but either way I think that would be an improvement over the way things are currently done. At the very least, someone watching TV feels like they got more done because they watched twice the TV in one day. It's not a huge accomplishment, but watching commercials doesn't really count as watching TV so they're basically robbing you of a third your TV experience every day. It's wrong and it has to change.