I'm moving to a new state and shopping for a new car insurance provider. I've narrowed it down to a few companies based on the quotes they gave me. I'm trying to decide between going through an agent (like Farmers) or a direct online company (like Geico). I can see the advantage of having a real live insurance agent in town, but having a real life agent is about 25% more expensive. Any insight from the wise Mac Rumors community?