You can usually fill out the information for a quote online. It is more efficient than having to answer the same questions on a phone call or while sitting in the insurance office. Fill out as much of the form as possible. Complete and correct information from you will get an accurate quote. Be sure that the web site has a security certificate before entering personal information. If it does, your web browser will display a "closed lock" symbol. If the site is not secure then your personal infomation will not be encrypted and will be more vulnerable.