The insurance company adds I see are worded carefully:
"People who switched to (insert insurance co name here) saved an average of $465!"
Well, they could ALL be telling the truth! You called up a competitor and they quoted you a higher price, so you won't switch. You are not captured in the statistic.
If you called up a competitor, found a lower price and did switch, then you would be captured. You'd only switch if you save, and insurance cos could be trading clients, each of which is saving because of how premiums are calculated differently at different companies.
They don't need to lie, they just word their adds carefully.
Wisdom is the quality that keeps you out of situations where you would otherwise need it