Direct insurance sales via the Web are the hot-button issue in the industry of the moment.

Many expect the trend to not only continue but accelerate in the coming years as more and more customers become comfortable with buying their own policies directly from the carriers and the tools to help them do that grow and evolve. That's coming, and there's very little that can be done to slow this train.

With that in mind, CarInsurance.com recently commissioned a survey to determine which carrier currently offers the best online quoting tools, and the results might worry some agents who are committed to the legacy, offline model of the insurance industry.

All 13 of the major car insurance carriers reviewed by CarInsurance.com performed "extremely well" in the study, with four acing the test with perfect scores. Perfect scores!

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