This is a fair article but what is left out is that you are missing a ton of carriers that can really reduce your cost if you just know where to go. In each state there are between 20-40 car insurance carriers - even with the online service they are all insurance companies looking for your business and paid a percentage of what you pay and only give you about five carriers - so driving you to the least cost is not their game - it is ours though. 71% of the U.S auto insurance market is with Esurance, Progressive & Geico yet we can beat most of these carriers by knowing who is the best for each individual - the best part is you only have to fill out one form and it's a small price to find out the best out there. http://www.ratecraft.net