Directly from insurance provider

Buying directly from an insurance company wasn't very practical until the Internet came along. Before, you always had to go through an exclusive agent of the company, or an independent agent. Now, direct-sales companies such as GEICO provide convenient web sites that allow customers to do research, get quotes, buy coverage, and even submit claims right from the web site. This is one of the most significant advances in the insurance industry in a long time. Since the company has no sales offices, it pays no sales commissions, which means low rates for consumers.

After you choose a company
Many of the differences between car insurance companies are hidden in the details of their policies. Before you sign, make sure you read and understand these details. If you have questions or concerns, get it resolved before you sign. Later may be too late.

Also understand that, regardless of where or how you buy your insurance, claims are always handled directly by the insurance company, not the agent or broker from whom you may have purchased.