Look at the comparison between telephone auto insurance and manual auto insurance first, because it is similar to the relationship between online auto insurance and telephone auto insurance.
For manual auto insurance, a large part of the cost is labor cost. For insurance companies, a person's efficiency is actually limited, but the cost is indeed relatively high. Telephone auto insurance reduces labor costs to some extent.
Because only one person needs to make a phone call, it can replace the workload of more than a dozen people in the past. So we can know why telephone auto insurance is cheaper than manual auto insurance. Because the cost of the enterprise has been reduced. The same is true when answering which is cheaper, online auto insurance or telephone auto insurance.
Because when using the internet to sell auto insurance, there is basically no need for manpower, and there are fewer people calling than before. All expenses are for building the website. By comparing with each other, we can easily see that the cost of telephone auto insurance is higher than that of online auto insurance, so the cost is higher.