Always ring round in the end. Find a quote that looks like it meets my needs then ring them direct. Don't think I've ever not managed to shave a few more quid off a TinTerNet quote by talking to them direct. They make money out folk being to lazy to check stuff.
I used a comparison site and it came back with the same price all the time.....went to Tesco direct and got it £400 cheaper,I don't think these sites work to well if you ask me.Use a comparison site most of the time.
I use comparison sites, call the top three, ask for better, speak to specialist brokers.
Then whoever gives me best quote or best price and best service combination, I then pay for in full.
It's worth noting that different comparison sites can be cheaper than others (and this changes for me most years) too.