I remember twenty years ago when you would typically just hire a local insurance agent for all your insurance needs. I remember my Dad was actually pretty good friends with his agent and he covered my Dad’s home and cars. Competition was not much of a factor with these car insurance companies back then.

These days with the Internet things are completely different than they were twenty years ago. Not you can get car insurance and good car insurance rates right over the Internet in the comfort of your own home. You may never see or meet an agent of any kind. If you have a claim they will send out an adjuster but that is just about as personally as they will get.

If you do not mind car insurance companies like that then you will like the competitive market and huge choice of car insurance companies on the Internet. But if you are looking for a more personal relationship with a down home agent in your community then do not go shopping for insurance online.

Local agents will be more down to earth and honest with you since they know you personally but they also tend to be a bit more expensive. Most of the online car insurance companies are cheaper because they only sell you the State minimum coverage. So do your research before choosing a car insurance company to fit your needs.