It used to be harder and more complicated to buy good insurance. If you wanted to compare quotes and policies in order to get the best deal for your needs, you would have to visit with agents at their office or your home. You might have to sit through some hard sales presentations that were uncomfortable. If you did not have to drive around, you still had to spend a lot of time on the phone giving the agent all of your information so he or she could give you an accurate quote.