http://www.youtube.com/watch?v=zC_UXK1vvds
This commercial is really effective for a couple reasons. First, it is hilarious. It uses wit and humor to make itself memorable, and it makes you take it more into consideration. This commercial over exaggerates the situation a lot, but that's what makes it so funny. Nobody would text and walk in the middle of the street, and if they did they would pay enough attention to not get hit by a car.
Another need they used was the need to feel safe. Allstate is saying they will protect you from losing everything you have worked so hard for. They don't want you losing all your possessions, so they can help protect you.
The last technique they use is weasel words. They imply that they can help you, but how much can they actually help?
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