Buy Insurance online or talk to an agent? The best rates for auto insurance aren't always on a big provider's website.

Sometimes, it seems like cutting out the middleman when looking for insurance coverage is the right move, but this isn't always the case. It's easy to get a quote directly from an insurance provider, but you may be surprised how beneficial talking to an agent can be.

An insurance agent can offer you discounts for memberships and certifications that a standard online form won't. If you're a member of a fraternity, sorority or Mensa, some providers will cut you a discount of up to 25%. The same goes for enrolled students with good grades, graduates of a safe driving course, drivers that use their vehicles infrequently, and individuals with good credit.

Another advantage to going through an insurance agent is their ability to bundle coverage. An agent may be able add an auto insurance policy to home or renters coverage at an extremely discounted rate. This step prevents double coverage—a redundancy that adds unnecessary expense—and simplifies your insurance into one streamlined policy.

If you're not convinced an agent is getting you the best price, you can get your own quote directly through the provider and ask the agent to match it. Many times, they'll find a way to beat it. Plus, they'll be creating you a custom policy instead of a cookie-cutter plan that could fall short of your needs. A service like QuoteWizard will connect you with licensed agents from reputable insurance companies who will do some of the legwork for you.