The lifestyle the ad wants to promote is safe because you can never have too much protection against mayhem and get a peace of mind. That lifestyle is what they are trying to get civilians to buy because with the safety that everybody wants they get protection. The targeted audience for the ads are people who have cars but don't have any insurance. Whether they don't know which insurance to buy or that they haven't gotten around to it, they all need insurance.
The context in the Allstate ad is what everybody who sees this and knows, they want to get them thinking about how that could have been them in the ladies shoes and how it could be prevented if they got Allstate insurance. The ad is funny because there is a guy with pink sunglasses and driving a pink car. If thats were not funny then he starts talking about his best friend kissing the guy he likes. The whole entire commercial he is talking with a serious face. I believe that is funny to everybody.
The ad was designed to be funny but serious. You have a grown man wearing pink sunglasses driving a hot pink car and texting with a bling phone. He seems to be outside a shopping market when his friend texts him that she kissed the crush he liked. Talking to the fourth wall he throws the phone in the back of the car and hits an unsuspecting car that is parked.
The ad was organized very well because the first thing you see is the guy driving on the phone and talking about his crush. Next, you see the driver in frustration throw the phone because of his anger with his friend. the last thing you see is the lady whose car had been hit. The advertisement had been set up that way because it is such a mundane way that is impossible to see it any other way than normal. That kind of accidents happens so much that people should think about that when they decide to buy insurance.

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