Why

Why would Progressive insurance feel it necessary to market a new brand of insurance, Drive insurance from Progressive?

If they already offer every insurance product that any driver needs, why start a new franchise that is only available through agents (not online)?

How do they market it?

Them: Buy Drive Insurance.
Customer: Why should I?
Them: It costs more because we have to pay insurance agents.
Customer: ???

I guess I don't get it.