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Modern horror has nothing on the classic and vintage. Movies back then knew how to build suspense, and make a good pay off. Sure they didn't get it right every time, but at least when they did get it right, they got it right!
When I first saw Insidious, it was good. I didn't hate it anyway, but likewise I didn't find it that memorable. Thinking back on it now I can't even remember too much of it. Psycho though? No comparison! The mystery, the suspense, the build up! It was a film to remember, and the twist ending is terrifying just from the implications! That such a thing could happen to a nice young man. It could happen to anyone, even you, and you would never know it. Insidious you need more belief in the supernatural to take it seriously, there's no twist or build up. They give us their monster, and let jump scares do the rest of the work.
As Favabeans said, it's just waiting to be scared because they use jump scares as their method of inducing fear. It's cheap and pathetic. It's like taking a ride through a haunted house. Movies aren't meant to be like haunted houses. They are stories, stories to be wrapped up in, with characters, twists, and sympathies for what's happening to make a movie memorable.
To answer your question, people when making a movie today rely too much on the special effects to scare people, to show off that they could, they don't stop to think if they should. It's like the movie Avatar (with the blue aliens). Fantastic effects, over done story that people don't care enough about to follow, and only continue watching because of the pretty colors flashing on screen.
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