Direct insurers, or phone folks as they are more commonly known, are carriers of insurance that sell their services directly over the phone. This means that they, and the customer, benefit from the lack of a fleet of agents. This spells no extra cost for the customer, and no need for commission from the insurer. There is no doubt that in your search for the lowest insurance quote will come from one of these fellows. A demonstration of how much you’ll save is this. These insurers cost about 21% of premium income compared to 28% for those who have agents and 35% for those independent insurance agents.