Most insurance companies provide a discount rate for online applications. As this is an automated process it costs a lot less to process your application. You can generally realise discounted rates of 5% -10% when compared to their standard rates.
To capitalise further on internet savings, use comparison sites. This is somewhat counter-intuitive as the insurer has to pay the comparison site a commission for your business.
However, the sheer volume of business comparison sites generate make up for the smaller profit margins. Therefore most insurance companies reserve their very best rates for online comparison websites.