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The site, which is rapidly becoming a popular way for smart consumers to purchase insurance, allows users to receive instant quotes that match their personal profiles. Here are his tips for buying insurance on the Web. Make sure the quote you get from the carrier accounts for all of your health and risk conditions. If you're an avid scuba diver, a Web questionnaire may not take that into account, so they might quote you a different rate than the one you'll eventually qualify for. It might be a bait and switch.