I guess it's because I don't live there?

I don't know what's happening in this commercial. I mean, I know it's taking place on the Brooklyn Bridge, but I don't know why. I don't know why people are startled by the sight of this played-out insurance spokes-lizard. I don't know why the played-out insurance spokes-lizard is strolling right down the middle of what looks to be a two-way pedestrian walkway.

I get that at the very end, Geico's little Comes Cheaper than the Cavemen computer-generated image panders shamelessly to the people of Brooklyn. I don't get why that would make anyone want to check out the insurance. This thing also seems to suggest that there's no point in buying insurance if you live in Brooklyn anyway because there's no place to park a car- I mean, that is what it's saying, right? Does this make any sense at all- "don't buy our product if you live here?"

I guess I'll just put this ad into the file marked Went Right Over My Head. I'm sure it makes sense to somebody. And I'm not reading the comments, but I have no doubt that the Youtube knuckle-draggers are just crazy about the music. That's something, anyway.