You sound like you need to write a business plan (try http://www.sba.gov and http://www.score.org as starting resources). There are other companies that already do this (not the least of which is Progressive that sells a different contracts online than through the brokerage system), so the section about competition and marketing will be critical. You should also either be realistic about the cost of the site creation, data management, CRM, and so on, or you need to have the skills to program and maintain the whole thing yourself.

If there are package deals where you can just subscribe to a quoting system and pick a template to wrap around it with your company name, this is a clear indication that the bones of the business are not unique. If that's the case, can you do your own SEO, why would a shopper choose you instead of someone else? what's your unique selling proposition? how are you allocating your advertising budget?

I'm not saying it can't be done, in fact you could be raking money in before too long, but a detailed and researched business plan is your opportunity to work out the wrinkles. Failing miserably because you couldn't track the conversion ratio of each marketing campaign would suck.

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I had what I considered very good rates and service by Wawanesa Insurance when I lived in San Diego.

Quite often you can save money by switching companies every 2-3 years. The new company will give you a low rate to get you into their system and then raise it a little every year. After 2-4 years it often pays to move to another company if they are offering lower rates.

Here in Arizona I saved $600 per year by switching last May. If it goes up I'll be asking around next time also. I won't switch companies for a difference of $50 per year, but I would for a difference of $200 per year, assuming I knew both of the insurance companies involved.

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Auto insurance premiums can slurp up a lot of your household cash flow. A typical family can pay more than $2,000 a year for two unflashy sedans. And like monthly mortgage payments, auto premiums seem like one of those annoying carved-in-stone costs in your budget.

Wrong! You may be able to do lots of things to shave your insurance bill by hundreds of dollars a year. Here are six ways to cut your premiums right now, and four tips on avoiding mistakes that can cause your rates to skyrocket down the road.

COST-CUTTERS

Shop until your rates drop. To get an idea of how much you can save by shopping around before you buy or renew a policy, we worked with an independent Web site where you can compare rates. After examining nine insurers' annual premiums for a two-car policy for a typical couple with clean driving records, we found the gap between the cheapest and the most expensive policies to be a whopping $800. Another place you may find rate-comparison information, as well as company-specific customer-complaint data, is your state's department of insurance Web site. (To find your state's insurance site, go to http://www.naic.org.)

Cut unneeded coverage. If you have collision and comprehensive–which reimburses you for damage other than collision, such as theft and vandalism–on vehicles worth less than, say, $4,000, depending on your financial situation you might want to consider dropping that coverage, says Catherine A. Franks, a vice president at Amica Mutual Insurance Company in Glastonbury, Conn. Why pay hundreds of dollars a year to replace a jalopy that you're on the verge of jettisoning?

Or raise collision and comprehensive deductibles–the amount of each loss that will come out of your pocket before coverage kicks in. If the levels are set at less than $500, consider hiking them to as much as $1,000. On a typical couple's policy, the difference between a $250 and a $1,000 deductible could be as much as $677 a year. Also, make sure you're not duplicating coverage, such as roadside assistance or towing benefits, which you may already have through an auto club or warranty. If you have medical insurance, consider dropping your auto policy's medical coverage, unless your state requires it.

Sniff out discounts. Insurance companies offer all kinds of price breaks. You may, for example, be able to get a discount for having a good driving record, for installing qualifying safety and anti-theft devices, or for buying several different policies with the same carrier. Check to make sure you're not overlooking any of those discounts. The multipolicy discount can be as high as 20 percent and apply to both your auto or home policy or both. Also, if you've changed jobs recently and your commute has been cut down or you've switched to public transportation, you may qualify for a price cut.

Take a class. In most states, a defensive-driving class can reduce your rates–not to mention the points on your Department of Motor Vehicles record–by 10 percent or more. If your record includes a motor-vehicle offense, you're insuring a teenager, or you're 55 or older, the savings may be even bigger.

Encourage Junior to get better grades. Insurers sometimes give discounts to high school and college students who maintain at least a B average.

Be a joiner. If you're a member of an organization, such as the AARP, you may be eligible for "affinity" discounts. Also check with your college alumni association, trade group, and bank or credit union.

RATE-SAVERS

Avoid tiny claims. If your comprehensive coverage has a $500 deductible and you get a $600 door ding, you might be inclined to file a claim for the remaining $100. But filing small claims, including those for minor damage and towing reimbursements, could eventually land you in a higher-risk category, which can translate into big premiums.

Buy with insurance in mind. If you're in the market for a new or used car, call an agent to check on premiums for each of the vehicles you're considering before you get your heart set on a particular model. Generally, the more expensive the vehicle, the more costly the coverage. Vehicle type also makes a difference. Annual premiums for sedans, minivans, and family cars are on average hundreds of dollars cheaper than for large sport-utility vehicles. Carriers also factor in a model's repair costs and its attractiveness to thieves. For a ranking of the most-stolen passenger vehicles, go to http://www.iii.org and click on Hot Topics, then on Auto Theft.

Pay your bills on time. This counts because it affects your credit score. Insurers believe that if you play fast and loose with your credit, you're probably also a higher risk on the road. If a couple's credit score drops from excellent to good, their premiums may rise by more than $500.

Drive defensively. Traffic violations and even fender-benders can inflate premiums. To avoid tickets and accidents, use cruise control on highways to help maintain the speed limit. Keep a safe distance from the vehicle ahead of you–doing so will help you prevent accidents and avoid stone damage to your paint and windshield. And park where your car is less likely to be damaged or stolen.

Cheap car insurance is best found by investing time, educating yourself and comparison shopping. Many online websites are designed to be an invaluable resource for insurance shoppers like you in this process. One of the top websites is InsureMe. Check it out at: http://www.insureme.com/landing.aspx?Refby=614506&Type=auto. You can get up to five insurance quotes from insurance agents who can help you make the best decision regarding your insurance. Once again, shop around, get multiple quotes, and learn all you can about a policy before you buy car insurance.