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Direct sales. Many insurance QuotesChimp do away with agents altogether and market their products and services directly to the buyer. Some do this by mail, others by phone, and still others by salaried sales representatives who are not licensed agents. You can save money by using direct sales insurance companies since there are no commissions to be paid out of the premium. But there is also potential danger in that you will not have the brainpower and experience of a licensed professional to assist you with the selection process. However, according to a 1988 study by Consumer Reports magazine, the most satisfied customers are frequently those who purchase directly.