The reason that online quote sites have the highest prices is very simple. The majority of the online car insurance quote sites are owned by the same insurance companies that sell car insurance through local agents that are in your home town.

The insurance companies will not risk losing there local agent just to sell you a discounted auto policy? Of course not! If they did they would lose every local agent they have and like I said they need those local agents. They would not survive without them.

The second reason that online quote sites cannot give you the lowest quote is because they are computers and as you know computers can only give out what is put in them. You can stand on your head and whistle Dixie and they still cannot quote you that low rate. It's not in their program.

The only ones that can cut rates are the local agents, because it's their commissions their cutting. It's their business and if that agent wants to cut you a deal they can. The local agent is the only one who can give discounted rates.

To get that discount rate you need to do business with the local agent, but that can be time consuming, frustrating and a real pain because to get that discounted rate you must get the local agents to compete for your business.

You will never get that low rate by walking into an agents office. Unless that local agent knows he up against tough competition he's not going to discount that rate. if you don't have competition among the agent you won't get the best price.

One of the most frustrating way to get quotes is to dial your way through the phone book. The agent will not give you the best rate by calling because he knows what a hard job it is and most people just give up after trying to contact a couple of agents. The majority of the time the person you need to talk to is on the phone, away from their desk or at a meeting and so you get to play phone tag.

The agent knows that most people just give up and pay what's quoted rather than go through all the trouble to get that low quote.

There is a simple solution to this problem and that is to go online, fill out one simple quote request and have that sent to seven or eight of the best local agents in your area. When an agent gets a quote request this way they automatically know that seven or eight other sharp local agents also got that same request so they know that to get your business they need to give you the lowest quote they can possibly give.

He wants your business, needs your business and will do every thing within his power, including cutting rates to get that business. That is how you get the lowest quote possible every time and without all the hassle that's usually associated with getting a low car insurance quote.