The Oracle has no clue about personal insurance and doesn't want to know. There are others - many others who do.  Here are links to sites you may find useful

21st Century
http://www.20thcentins.com/
21st Century Insurance Co - good auto & homeowner's insurance rates

StateFarm
http://www.statefarm.com/
State Farm Ins CO - good auto & homeowner's rates

Insweb
http://www.insweb.com/
Auto, Home, Health & Life insurance quotes. Glossary & FAQ's

Insure.com
http://www.insure.com/
More of the same

ConsumerReports
http://www.consumerreports.org
Buying advice & the dirties on insurance companies

Geico
http://www.geico.com
Direct writer with good rates

Allstate
http://www.allstate.com/
The good hands people

Farmers
http://www.farmers.com/
Farmers Insurance Group: Auto & Home, etc.

Realquote
http://www.realquote.com/
More auto insurance quotes

Homesite
Online Homeowner's insurance quotes - site claims to be the
first where you can actually buy online.

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