Except we know that's not how the younger generations buy insurance. [1]
Many people buy the insurance they can afford. That means lowest up-front costs or flat out whoever will actually give you a policy. There's not nearly as much choice in the matter as you're making it out to be. Most people don't have the luxury of shopping for the best value plan. So the lowest barrier for picking up an insurance plan isn't who has the best price.
It's who has the lowest standards for what they'll insure. The nature of the game means that those two selling points (price & availability) are mutually exclusive.
Many people buy the insurance they can afford. That means lowest up-front costs or flat out whoever will actually give you a policy. There's not nearly as much choice in the matter as you're making it out to be. Most people don't have the luxury of shopping for the best value plan. So the lowest barrier for picking up an insurance plan isn't who has the best price.
It's who has the lowest standards for what they'll insure. The nature of the game means that those two selling points (price & availability) are mutually exclusive.
[1] https://www.agencynation.com/millennials-independent-agents/