Stories · Customer-side decisions study
239 brand eliminations. No readable page from the brand.
Across 43 research runs in banking, telecom, insurance, energy and travel, agents recorded 277 brand eliminations. In 239 of them, no readable page from the eliminated brand had been loaded.
Field observations · 43 runs · US consumer tasks Published 28 September 2026 · runs recorded 13–14 September 2026 · research agents on consumer tasks, not customer traffic · How we know
Recorded reasons for the 277 eliminations
| Reason recorded by the agent | Events | |
|---|---|---|
| Not investigated | 77 | |
| Terms | 50 | |
| Support | 49 | |
| Price | 33 | |
| Eligibility | 20 | |
| Availability | 17 | |
| Other | 13 | |
| Coverage | 9 | |
| Reputation | 9 |
77 eliminations were explicitly coded “not investigated”. They stay in the total. Reasons are the agent’s recorded explanations, not independently established causes.
That is 86% of the elimination events in this study—not 86% of customers, companies or the market.
The decision can move on without a visit
The tasks asked research agents to consider consumer choices. Their records show which companies they kept or eliminated and whether they loaded a readable page from each company.
In one telecom run, the agent ruled out AT&T postpaid on price without loading a readable AT&T page. Its explanation referred to an all-in household budget. The supporting source entry described general model knowledge about postpaid pricing, not a freshly read AT&T offer.
That is an observation about what the agent believed and did. It is not our assessment of AT&T’s current prices or proof that the agent was right.
There were also cases where a company remained an option without its page being read. In one insurance run, Texas Farm Bureau remained a regional alternative even though the agent did not obtain a readable page from it. State Farm was the primary recommendation in that run.
The absence of a readable brand page did not always mean rejection.
Why a brand or CX leader should care
Traditional journey measurement starts with something the enterprise can see: a visit, an enquiry, a call or a transaction.
These observations show a decision process that can narrow the field before a readable brand page enters it. A company may never have the opportunity to answer the question that ruled it out.
For CX operators, the relevant question is broader than who handles the next contact. It is also which decisions happen before there is a contact to handle.
What the numbers include
Of the 277 recorded eliminations, 239 had no readable brand page and 38 did. The runs covered banking (12), telecom (8), insurance (8), energy (8) and travel (7).
Not every elimination followed a full investigation. Seventy-seven were explicitly coded “not investigated.” The records also contain exclusions attributed to terms, support, price, eligibility, availability, coverage, reputation and other reasons. These are the agent’s recorded explanations, not independently established causes of customer behaviour.
How we know
The figures are counted from the published structured research records. Each record contains the recommendation, brand decisions and reported sources. Open a record to see the supporting detail.
Read this as: evidence that this kind of decision happened in these research runs.
Do not read it as: a brand ranking, lost sales, market share, a count of real customers, or proof that no request or signal reached any enterprise system. A failed page request could itself be visible even when no readable content was obtained.
Open the records
Two research records from the study: r002 (telecom), where AT&T postpaid was ruled out on price with no readable AT&T page, and r003 (insurance), where Texas Farm Bureau stayed a regional alternative without a readable page while State Farm was the primary recommendation.
TelecomMetro by T-Mobile (3-line Unlimited, ~$75/mo) as primary; Cricket Wireless (3-line Select Unlimited, ~$90/mo) as backup alternative
Companies considered
| Company | Outcome | Brand page | Agent’s recorded explanation |
|---|---|---|---|
| Metro by T-Mobile | Kept | Readable page loaded | Not eliminated - recommended as primary option: cheapest 3-line total under the $120 ceiling, phone support, month-to-month, no membership required. |
| Cricket Wireless | Kept | Readable page loaded | Not eliminated - recommended as backup alternative on AT&T's network, also under budget with phone support and no membership required. |
| Consumer Cellular | EliminatedNot investigated | No readable page | Reputed for strong live phone support, but could not confirm an actual 3-line total price on the carrier's own site (fetch 404'd) or on comparison sites within the scope of this research, so it was not verified to fit the $120 ceiling. |
| Mint Mobile | EliminatedTerms | No readable page | Best pricing depends on paying for 3/6/12 months upfront in a lump sum, which conflicts with the household's preference for plans that are refundable or cancellable without penalty. |
| Visible | EliminatedSupport | No readable page | Support is chat/app-based with no dedicated live phone-support line, which conflicts with the household's requirement to reach a real person by phone. |
| Google Fi | EliminatedSupport | No readable page | Support model leans on in-app chat rather than traditional phone support. |
| Straight Talk | EliminatedSupport | No readable page | Customer support is centered on chat/forums with inconsistent, hard-to-reach phone support. |
| AT&T (postpaid) | EliminatedPrice | No readable page | Standard postpaid unlimited plans for 3 lines run well over the $120/month all-in ceiling once taxes and fees are added. |
| Verizon (postpaid/prepaid) | EliminatedPrice | No readable page | Standard postpaid unlimited plans for 3 lines run well over the $120/month all-in ceiling once taxes and fees are added; best prepaid pricing also often depends on a Verizon +play/Visible+ style membership. |
| T-Mobile (postpaid) | EliminatedPrice | No readable page | Standard postpaid unlimited plans for 3 lines run well over the $120/month all-in ceiling once taxes and fees are added. |
| US Mobile | EliminatedNot investigated | No readable page | Considered as a possible MVNO option but not investigated in depth within the scope of this research once two clearly-fitting, well-supported options (Metro, Cricket) were confirmed. |
| Boost Mobile | EliminatedNot investigated | No readable page | Considered as a possible low-cost prepaid option but not investigated in depth within the scope of this research once two clearly-fitting, well-supported options (Metro, Cricket) were confirmed. |
Sources the agent reported using
- Brand’s own page cricketwireless.com · about Cricket Wireless · marked decision-shapingConfirmed Cricket's multi-line unlimited pricing structure, AutoPay discount, activation fees, and 24/7 chat plus phone/Contact Us support options.
- Comparison site upphone.com · about Cricket Wireless · marked decision-shapingExact 3-line price for Cricket Select Unlimited: $90/month total ($30/line), taxes included, no hotspot on that tier.
- Brand’s own page metrobyt-mobile.com · about Metro by T-Mobile · marked decision-shaping3-line unlimited pricing tiers ($75/$110/$130 with AutoPay), confirmation taxes/fees are included, and a published customer-support phone number (1-888-863-8768).
- Review site reviews.org · about Mint Mobile · marked decision-shapingConfirmed Mint Mobile does have a live phone support line (1-800-683-7392, limited hours) but reaching an agent requires going through automated menus first.
- Comparison site knowyourmobile.com · about Consumer Cellular · marked decision-shapingConfirmed AARP membership is not required for service (only a small extra discount), and that Consumer Cellular is known for a phone-support-first model, but did not give an actual 3-line total price.
- Comparison site wirefly.com · about Consumer CellularPage loaded but was a generic comparison-tool shell with no actual Consumer Cellular 3-line prices.
- Brand’s own page consumercellular.com · about Consumer CellularAttempted fetch returned a 404; could not load Consumer Cellular's own current plan page.
- Brand’s own page metrobyt-mobile.com · about Metro by T-MobileAttempted fetch returned a 404; superseded by the working /onlineplans URL on the same domain.
- Model memory (no page visited) · about Visible · marked decision-shapingGeneral knowledge that Visible's customer support is primarily chat/app-based with no dedicated live inbound phone-support line for routine issues.
- Model memory (no page visited) · about Google Fi · marked decision-shapingGeneral knowledge that Google Fi support leans heavily on in-app messaging/chat rather than traditional phone-call support.
- Model memory (no page visited) · about Straight Talk · marked decision-shapingGeneral knowledge that Straight Talk/Total Wireless support is centered on chat and community forums, with phone support that is inconsistent and hard to reach.
- Model memory (no page visited) · marked decision-shapingGeneral knowledge that full postpaid unlimited plans for 3 lines from AT&T, Verizon and T-Mobile typically total well over $120/month once taxes, fees and per-line surcharges are added, even with autopay/paperless discounts.
Recorded claims (9)
- Metro by T-Mobile's 3-line Unlimited plan costs about $75/month with AutoPay, with sales tax and regulatory fees included in that price. Verified on brand page decision-shaping
- Metro by T-Mobile publishes a customer-support phone number (1-888-863-8768) in addition to chat and store support. Verified on brand page decision-shaping
- Cricket Wireless's Select Unlimited plan for 3 lines costs $90/month total ($30/line), with taxes included in the quoted price. Not verified on brand page decision-shaping
- Cricket Wireless offers 24/7 chat support plus phone and 'Contact Us' support options. Verified on brand page decision-shaping
- Mint Mobile requires purchasing service in 3/6/12-month prepaid blocks to get its lowest advertised per-month price. Not verified on brand page decision-shaping
- Mint Mobile does offer a live phone-support number, but reaching a live agent requires navigating an automated system first, and support hours are limited. Not verified on brand page decision-shaping
- Visible's customer support is primarily chat/app-based, without a dedicated live inbound phone-support line for routine account issues. Not verified on brand page decision-shaping
- AARP membership is not required to sign up for Consumer Cellular service; it only provides a small extra discount. Not verified on brand page
- Standard postpaid unlimited plans for 3 lines from AT&T, Verizon, and T-Mobile typically total well over $120/month after taxes and fees, even with autopay/paperless billing discounts applied. Not verified on brand page decision-shaping
Research run r002 · recorded 2026-09-13 (timestamp as stored in the export, not independently verified) · structured research record, not a complete browser trace · permalink
InsuranceState Farm (primary), with Texas Farm Bureau Insurance as a strong regional alternate
Companies considered
| Company | Outcome | Brand page | Agent’s recorded explanation |
|---|---|---|---|
| State Farm | Kept | Readable page loaded | Not eliminated; selected as primary recommendation for agent-based human claims handling, standard non-lock-in policy terms, and expected fit under budget. |
| Texas Farm Bureau Insurance | Kept | No readable page | Not eliminated; kept as a strong regional alternate for agent-based service and reputation for pricing stability, despite brand page being unreachable. |
| Farmers Insurance | EliminatedNot investigated | No readable page | Agent-based national carrier considered as a candidate but not researched in depth once two adequate agent-based options (State Farm, Texas Farm Bureau) were identified; dropped for scope, not disqualified on merits. |
| Allstate | EliminatedPrice | Readable page loaded | Reputationally priced higher than State Farm/Farmers for a similar driver/vehicle profile and its page gave no explicit human-first claims commitment to offset that cost disadvantage against the $150 ceiling. |
| GEICO | EliminatedSupport | Readable page loaded | Structured around app/call-center claims rather than a dedicated agent, and known to weigh credit-based scoring heavily, conflicting with the household's stated preferences. |
| Progressive | EliminatedSupport | No readable page | Direct/call-center service model plus a public reputation for renewal rate increases after an initial quote, which directly conflicts with the household's concern about introductory rates that jump. |
| USAA | EliminatedEligibility | No readable page | Membership restricted to active/former military service members and their immediate families; household gave no indication of eligibility. |
| Root Insurance | EliminatedTerms | No readable page | Built as an app-first insurer for both pricing and much of claims handling, directly conflicting with the household's requirement for a human handling any claim. |
| Nationwide | EliminatedNot investigated | No readable page | Considered as a national carrier with an agent channel but deprioritized once two strong agent-based, Texas-relevant options were already identified; not investigated further. |
| Lemonade Car / Metromile | EliminatedAvailability | No readable page | App-first, usage-based insurers whose claims model is not human-first and whose availability for this exact Texas profile was not confirmed; eliminated on both support-model and availability grounds. |
Sources the agent reported using
- Regulator or public body tdi.texas.gov · marked decision-shapingConfirmed Texas law: credit score can be one rating factor but cannot be the sole basis for denial or price increase.
- Comparison site nerdwallet.comPage returned a 404; no content obtained.
- Comparison site bankrate.comPage returned a 404; no content obtained.
- Comparison site valuepenguin.comPage returned a 404; no content obtained.
- Brand’s own page texasfarmbureauinsurance.com · about Texas Farm Bureau Insurancerobots.txt fetch failed / connection timeout; page could not be retrieved.
- Brand’s own page statefarm.com · about State Farm · marked decision-shapingConfirmed large local-agent network, multi-channel claims (agent/phone/app), and discount structure with no autopay/paperless price contingency mentioned.
- Brand’s own page usaa.com · about USAAPage loaded only a cookie-consent error; no substantive content, so eligibility fact relies on model_memory instead.
- Brand’s own page progressive.com · about ProgressivePage returned a 404; no content obtained on their credit-check practice.
- Brand’s own page allstate.com · about Allstate · marked decision-shapingConfirmed local-agent locator and 24/7 claims support, telematics discount (Drivewise), no explicit autopay/paperless price contingency, but also no clear human-first claims commitment.
- Brand’s own page geico.com · about GEICOConfirmed app-based claim filing is the headline path, with local agents mentioned only secondarily; page said nothing about credit scoring practices.
- Brand’s own page root.com · about Root InsuranceDNS/robots failure; page could not be retrieved, so app-only characterization relies on model_memory instead.
- Model memory (no page visited) · about USAA · marked decision-shapingUSAA membership/eligibility is restricted to active/former military members and their immediate families.
- Model memory (no page visited) · about Root Insurance · marked decision-shapingRoot prices and largely services policies through its mobile app, including much of the claims workflow, marketed around telematics/usage-based pricing rather than a local-agent, human-first model.
- Model memory (no page visited) · about GEICO · marked decision-shapingGEICO is structured as a direct-to-consumer/call-center insurer with no dedicated personal agent per customer, and nationally weighs credit-based insurance scores heavily in pricing.
- Model memory (no page visited) · about Progressive · marked decision-shapingProgressive is a direct/call-center-oriented insurer, promotes telematics (Snapshot) pricing, and has a public reputation for rates rising at renewal relative to an initial acquisition quote.
- Model memory (no page visited) · about Texas Farm Bureau Insurance · marked decision-shapingTexas Farm Bureau Insurance sells only through local exclusive agents, requires a low-cost annual membership, and has a reputation among Texas consumers for more stable pricing and lighter reliance on credit than large national direct writers.
- Model memory (no page visited) · marked decision-shapingInsurance credit-based scoring checks are soft credit pulls industry-wide and do not appear as a hard inquiry on a consumer's credit report.
- Model memory (no page visited) · marked decision-shapingStandard U.S. auto insurance policies (6-month or annual terms) are not long-term contracts and generally carry no early termination fee; canceling mid-term typically yields a pro-rated refund.
Recorded claims (10)
- State Farm operates through a large nationwide network of local agents and offers claims reporting via agent, phone, or app. Verified on brand page decision-shaping
- Allstate provides a local-agent locator and 24/7 claims support but does not clearly commit to human-first (vs. app-first) claims handling on its public page. Verified on brand page
- GEICO's primary claims-filing path is its mobile app, with local agents mentioned only secondarily, consistent with its identity as a direct-to-consumer insurer. Verified on brand page decision-shaping
- USAA auto insurance eligibility is restricted to active-duty and former military members and their immediate families. Not verified on brand page decision-shaping
- Root Insurance prices policies and handles much of the claims process through its mobile app rather than a local-agent model. Not verified on brand page decision-shaping
- Texas law allows credit-based insurance scoring as one rating factor but bars insurers from denying coverage or setting price based on credit score alone. Not verified on brand page decision-shaping
- Standard U.S. auto insurance policies (6-month/annual terms) do not carry long-term contract lock-ins or early termination fees beyond a pro-rated refund on mid-term cancellation. Not verified on brand page decision-shaping
- Insurance-related credit-based scoring checks are soft inquiries and do not appear as a hard inquiry on a consumer's credit report. Not verified on brand page decision-shaping
- Texas Farm Bureau Insurance requires a low-cost annual membership and sells exclusively through local agents. Not verified on brand page decision-shaping
- Progressive and GEICO carry a public reputation for premium increases at renewal relative to an initial low acquisition quote, more so than agent-based mutual/direct writers like State Farm. Not verified on brand page decision-shaping
Research run r003 · recorded 2026-09-13 (timestamp as stored in the export, not independently verified) · structured research record, not a complete browser trace · permalink
Open all 43 research records → · Eliminations (CSV) · Claims (CSV)
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Research and editorial interpretation: Amine El Afrit. The companies named are the subjects of observations, not sponsors or endorsers of the research. Corrections to factual descriptions or source attribution: [email protected].
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The Invisible Funnel (2026). "239 brand eliminations. No readable page from the brand." https://whatagentschoose.com/stories/eliminated-before-a-visit/<a href="https://whatagentschoose.com/stories/eliminated-before-a-visit/"><img src="https://whatagentschoose.com/og/story-eliminated-before-a-visit.png" alt="239 brand eliminations. No readable page from the brand." width="600" height="315"></a>