Valid Insurance Rates On Line

If I were to go ahead and plug in all of my information onto a specific insurance company website online, how accurate would their estimate be for me? If I have it in writing and then I call the company to confirm my insurance rates are they going to add a bunch of other things to the policy that I was not offered online? I am just wondering how accurate or precise actually asking for quotes on line for your insurance is. Is it just a good way to get me to call the company after I assume that the rates are lower then the competitor?

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