Buying auto insurance online is usually cheaper because there are no agent fees or markups when purchasing through an online platform. Although agents may help you find discounts and guide you through the insurance process of finding a suitable policy, insurance brokers that donâ€t cost you any money directly can be just as helpful in getting the best rates. Insurance brokers can also help you compare different rates based on your personal information to determine how much coverage you need and the best price for that coverage.