How do I get insurance? You can contact a direct writer either through the mail,over the phone or on the Internet. A direct writer sellsinsurance directly to its customers through salariedemployees. Your other options include going to anindependent agent who sells insurance for severaldifferent insurance companies. Or you can contact anexclusive agent, one who is under contract to aparticular insurance company to sell only that company’spolicies. How can I bring down the cost of myinsurance? Drive safely. Nothing drives up the cost of insurancemore than a history of accidents and moving violations. Pick your car carefully. High-performance cars aretempting, but not only are they expensive to operate,they’re expensive to insure. Pick a car with a good safetyrecord, that’s less expensive to repair and that’s not onthe car thieves’ most-wanted list.