State Farm commercials can get pretty annoying (e.g. “Discount Double Check”) and this one always managed to get lodged in my brain. Just ask my roommates the last couple years how many times I responded “well she’s a guy…so” when it made no sense in the context. So even though I think this is a stupid commercial, it’s doing something right, because it sticks in my head worse than a Miley Cyrus jam and so if I ever decide that I’m changing insurance agencies based on their availability in the middle of the night, I’ll be forced to consider State Farm.
But who really cares about the effectiveness of the ad? Let’s analyze this ridiculous scenario they’ve presented. A dude is making changes to his insurance policy at 3 in the morning? Even though his wife comes across as a total jealous crazypants, I’ve got to side with her here. What kind of weirdo decides to switch from liability to comprehensive behind his wife’s back past midnight? This doesn’t pass the smell test to me. Score one for jealous females everywhere because my guess is that this guy is carrying on an affair with “Jake from State Farm” and pretending to be buying insurance. It’s the perfect cover. If their family cabin burns down some day and they find a box of mysterious homoerotic letters between these two, just remember who told you so.