Insurance Quotation Online Applications Best Practices

Chanced upon a website that lists out how to create an insurance quotation website that is customer-centric.
Salient points are:

1. Allow for the "human touch" where necessary. That is, have a live chat feature.
2. Instead of pushing for the most expensive coverage, promote a list of coverage options (e.g. basic coverage, premium coverage, etc.) with the associated pricing.
3. Alternatively, incorporate a name-your-price feature that calculates the equivalent coverage for the premium the customer is prepared to pay.
4. Offer discounts during the quotation process!
5. Make data entry easier. E.g. entering postal code could pre-populate the address. For existing customers, the application could pre-fill some related information associated with the customer.
6. Allow for users to perform partial save in order to continue the quote at a later point in time.