Because they know we don't have a choice, aside from which company. Most of us literally just give them free money every month and they never have to actually do anything.
Since I've had my license, Progressive has literally done one thing: they sent a guy out to give a jump so I could drive to Kia. Since 2007. That's it.
Your knowledge of scientific biological transmogrification is only outmatched by your zest for kung-fu treachery!