You can assess their comedic and social value, but you can't assess their argument about car insurance, because there isn't one. They're trying to manipulate how you feel, not convince you of some point. It's like if, rather than making an argument in this comment to convince people of my point, I just said "Lol, imagine being such a corporate beta cuck." Some not-particularly-mature people might be influenced by that statement, perhaps more than by an actual argument, but it would be an inappropriate and underhanded tactic.