The auction model for ads basically ruins internet searches in transactional categories. If you want to win at the "italian restaurant" search game, you have to bid the highest for the ad, which means you must have the highest margin. The best way to win is to open a restaurant with ridiculously high margins (over priced wine and cheap ingredients). Want the "cheapest car insurance"? Google is zero help. It sends you…
I think your hypothesis is quite far off. Can you give an example of an auto insurance company that is a non-profit? I couldn't find any. Perhaps you mean a mutual insurance company? Furthermore, when I bought car insurance last month, Geico gave me the most coverage for the least amount of money (after quite a bit of research), so I also don't agree with your assertation that Google is no help in that regard. While…
Aren't mutual's non-profit? They aren't trying to extract a profit for investors or other owners, but just need to charge enough to pay business expenses (including salaries, as well as the main expense of an insurance company, paying out claims and funding reserves to pay out claims, etc.)
USAA mentioned in some other followups is... even weirder than a mutual insurance company, but it's legal structure is effectively the same as a mutual insurance company.