Online auto insurance site want you to think there faster and cheaper. They might be a little faster but they are probably the most expensive place to buy your car insurance.

The big insurance companies don't want you reading this. They are making money by the bucket fulls online peddling there high priced policies.

Advertising has led us to believe that lowest is the same as fast. This is simple not true as a matter of fact it's exactly opposite the truth. The big car insurance companies have done a great job at pushing "fast". What do you see on the opening screen of any of these site? " Get your insurance now" or the always popular"fast quote".

Nowhere will you see Lowest quote because the lowest quotes can only be given out by the local agents. They are the only ones that have the authority to lower rates.

These online sites just a computer with a hard drive. Computers are only as smart as what is put on there drives and believe me you won't find a low quote anywhere on that hard drive. How fast would a good programmer take to write a script to automatically get that low quote? Probably not any longer than it's taking you to read this article.

Can you imagine what would happen to those big insurance companies if everyone on the internet new how to access that low rate. Some "Guru" would be selling a program for all to use in a matter of minutes.

The only way to get that low quote is from a local insurance agent and then only if he knows he's competing against another agent. Call up your local agent and you'll get the same quote as every one else. Local insurance agents are there to make money and they won't give out that low rate unless their forced to.

The only way to get that low rate is through the agent himself, not his secretary or anyone else on his staff. That's the agent profit he's cutting so he's the only one who can cut that rate.

The ideal way to get that low, low quote is too go online, fill out just one form and have it emailed to five or six of the hungriest and sharpest local agents in your area. When they receive your request for a quote they will automatically know that their best competition also received the same quote request.

This puts those local agents in a competitive mode, ready to cut rates and do what ever it takes to get your business. When local agents compete for your business, You Win!