Choosing an online insurance company is just as safe and convenient as using a local agent. You can shop around for good rates at the different online companies, and you can speak to a licensed insurance agent by phone or online. The rates are just as competitive as using a local agent.
The only drawback is not having that personal touch you would get with a local agent, which can be a large drawback for some. Having a good local insurance agent that can get to know you personally can come in handy when you have specific questions about your insurance or other products you may be interested in. If you use an online company, you will usually get a different person each time.