Want to buy a New Insurance for my I20Asta

Hi, I am in the same situation. Thanks to inputs from Carwale members, I decided to go for a new i20 Asta. The 1st year insurance component from the on-road price was given as 20K, whereas I got a quote of 13K from ICICI Lombard. No hassles online payment, once Regn. & Chassis numbers are available. I am negotiating with my dealer about using my insurance, and he is not sure what to tell me. He is trying to buy time saying that his manager is out of station and will get back in 2 days. Since i20 is coming with absolutely zero discounts, I wish to save wherever I can (ethically & legally).

If you have any thoughts to share about the pros & cons of dealer-initiated insurance vs. self-purchased insurance, please do share. The insurance company that the dealer is going through is United India.

Thank you.

Purely my thoughts:

1. If you are a new driver, or this is your first  car... the obvious choice should be Go-with-the-dealer ( unless somebody close to you really _know_ the stuffs and can help you in the long run ) 

2. insurance from dealer is generally costly, as they have their margin in it as well.

3. If you are going for other than dealer, make sure you choose the one, which has a) wider coverage(areas) in terms of reachability/availability and b) has better service, the company should be prompt to serve you, whenever and where-ever required. 

4. Dealer generally has 2-3 companies, for insurance. you may want to check out, the benefits and coverage for comparison.

Service & premium offered by pvt. companies are more competitive.  Coverage/terms are same - governed by IRDA.