It’s sometimes hard to keep up with all of the characters on TV trying to sell you insurance. Jake from State Farm, The Geico Gecko, and Flo from Progressive are some of the best-known. And while I don’t care about those pitch persons or animals, there is one insurance spokesman I love. He’s Dr Rick from Progressive. You don’t see his commercials as much as Flo’s, and that’s a shame. He’s the self-help guru trying to keep you from turning into your parents. Every time I see one of his commercials come on screen, I laugh. And it doesn’t matter how many times I’ve seen that ad…