The 83-page review and cross-referencing of dozens of market and media studies reveals why carriers like GEICO are diving toward particular market segments, as the combination of trends makes certain groups, products, regions and other factors much more effective targets.(Photo: <a href="http://photos.prnewswire.com/prnh/20121204/CG24252)Direct-to-consumer">http://photos.prnewswire.com/prnh/20121204/CG24252)Direct-to-consumer</a> insurance sales continue to box out agents and som