If you directly go with the insurer, it will be a lengthy and tedious task for you. YOu will have to run a few errands, pay multiple visits to the insurance company, manage all the documents by yourself, conduct the physical delivery of the documents and even go through the hectic and tiring process of claim filing by yourself. Coverfox simplifies things for you. It helps you choose the right plan and then you can buy the plan in a few minutes enjoying an entirely paperless process. You even receive claim assistance from Coverfox.