I wish people wlduon't use answers to link to their own website.First of all: In the UK there are many aggregator' websites comparing car insurance premiums they charge the insurer for any policy placed with them so that the insurer gets no cost advantage and the customer finds they have bought a policy through a middleman (the website) that will be of no benefit to them should they need help.To a lesser extent buying through an insurance company online is similar. They don't pay a broker or middleman but they certainly pay a lot more to advertise on TV and in the press. If you have a problem with their service then who will you call to help you?If you buy through an insurance broker (i.e. someone who is an agent for many companies) then not only do they do the running around for you at renewal, they also act on your behalf should you have any queries in the adminstration of your policy or if you need to make a claim.Think of the difference in prices as an annual fee that the broker charges for this service then imagine you asked a lawyer or an accountant to look after your legal or financial matters. Which professional is offering the best value for money?

During ice storm slid and hit a pipe. Impact blew dampening motor mount, caused the AC generator to fail, a leak in the transfer case, shredded the underbody shroud and blew a tire. Central said the impact could not have caused any problems with the AC generator, transfer case or underbody shroud. The dealer pointed out that the impact and motor mount oil certainly could have damaged both the AC gen. and the transfer case. Car was checked at the dealer just a few months before crash and all was well with the vehicle. Central said NO WAY, WE WON'T PAY. I recommend that you DO NOT use this company. I'm taking my homeowners away from them too - jeez, what would happen if I had a fire!? I can just see them in that scenario. No way!