Online quotes are alot cheaper, especially in New York! But if you move, you cannot transfer a policy at an internet rate out of state. I was paying about 275.00 every 6 months in Oregon( no speeding tickets or accidents on record, driving for 15 years). That was a policy I bought online in Oregon, but when I moved to New York again, I could not get an internet policy. I did an online quote for New York, they gave me a rate of $325.00 every 6 months, but since they will not accept an online quote here, I pay $400.00 every 6 months.  Oh, and watch it when you get your policy in the mail, they like to forget that you did not want $200.00 extra in comp and collision! And customer service, HA!