Most direct motor insurance companies are able to make savings in commission and data handling, which many do pass onto their customers in discounted premiums. However you decide to purchase your car insurance it should always be with what is right for your particular circumstances, in mind. You should always make comparative decisions on a like for like basis. If one policy being offered a few hundred cheaper than a competitor, you should check carefully the levels of cover in the small print, and compare the limits of indemnity.