Geico Commercial

The Geico commercial with the stack of money that is watching people is one of the most clever and "cute" ads that is on TV right now.  The little stack of money with the googley eyes combined with the catchy remixed Michael Jackson song creates an entertaining commercial.  Although I enjoy watching it and will even wait in my car for the radio spot to finish, I wonder if it is effective.  

The commercial is very well known.  I even downloaded the song that plays in the background.  However, it has not prompted me to switch my car insurance to Geico or even look at their website.  

This leads me to the question:  Is a catchy ad effective in generating business? or is there more to a commercial?   

I believe that an ad is more effective if it is clever, catchy, and entertaining, but I think there is more to it than that.  There should be some kind of direct incentive for going on to the website.  There cannot just be the chance that you could save a little bit of cash by switching to Geico.  There needs to be more than that...