Ryan Whitmore Facebook ad: “Is my son smarter than me?”

Ran for 73 days, from June 25 to September 6, 2026, the last day Crush saw it.
Run by Ryan Whitmore on Facebook. Crush is not the advertiser and does not verify its claims. See this ad in Meta's Ad Library(opens in a new tab)
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About this ad
- Meta Ad Library ID
- 1050987544160408
- Platforms
- Facebook, Instagram, Audience Network, Messenger and Threads
- Relaunches
- 0
- Niche
- Insurance
Ad text
I was scared to admit this, but my 16-year old is WAY smarter than me… Took his driving test 6 months ago. Passed with flying colors. So we bought him his first car - a 2016 Camry. That Tuesday, I call the insurance company to add him. Sit on hold for 20 minutes. You know what they tell me? “Your new premium will be $386 a month sir.” I go “$386 a month? We’re paying $189 for my wife’s RAV4 and my F150. How does adding my son raise my rate by almost $200?” She just goes “Sir, adding a new driver can raise your premium, especially if the driver is a teenager.” I just hang up. We’re already living paycheck to paycheck. And now I have to break the news to my son that he’s going to have to wait to drive. Later that day, I work up the courage to tell him at the dinner table. I expect him to cry. But he doesn’t even react. Just gets up and goes to his room. 5 minutes later he comes back downstairs, grinning from ear to ear. He goes “Check this out dad. Is $97 a month good?” I chuckle and ask where he got that number. Figured it was just some bare-bones liability policy or something he found on some shady website. Then he shows me his phone. Some car insurance quiz. Says some kid spent months building it, then it went viral on social media and grew to 400,000+ users practically overnight. He says it puts all the big insurance carriers in a room and they fight it out. Best rate wins. Kind of like an auction. I’m skeptical, so I try it myself right there at the dinner table. All 3 cars. My zip. My actual record. Honest answers. Takes 60 seconds. Same result - $97 a month. Full coverage too. I just stare at the screen. 18 years of on time payments. Thought I was doing this “adulting” thing pretty well. Then my 16-year-old outshops me from his phone without even trying. Took him less time than it takes me to microwave a TV dinner. I switch the next day on my lunch break. Tell my coworker about the whole thing. Bragging about how smart my son is. He just goes “Ryan, you barely know how to turn on a computer. What did you expect?” I just laugh. Fair enough. Your kid probably knows about this already. But if you’re out of the loop like me, I put the link below. Thank me later. https://autoratesnow.com/form/
Where the ad sends people
autoratesnow.com
Is my son smarter than me?
Learn more: autoratesnow.com(opens in a new tab)










