Irony in the insurance space

Here is a list of top 5 adwords on Googles adsense program (sep ,2006 information)

$82.92 - austin dwi
$78.01 - school loan consolidation
$76.54 - college loan consolidation
$74.93 - car insurance quotes
$74.78 - auto insurance quotes

The $ cost is the CPC (Cost Per Client for 1000 page impressions)

Car insurance and Auto insurance are number 4 and 5 in the list and yet most of the business done in the insurance space is via traditional agents. Isnt this a classic case where the demand exists but the carriers just resist selling direct for reasons listed here

Another irony I noticed is that when I searched on car insurance on google , the first link I get is of Allstate insurance which is an Agent driven carrier to the core. If allstate has to spend advertisement dollar for market capture and also continue on its traditional agent driven model who long will it be when people like Geico take over there market share ?