Insurance4LessDirect.com has distinguished itself from other auto insurance websites since its debut in 2002 by focusing on providing not only FREE car insurance comparison, but also practical information and advice for drivers in posted educational articles.

During the month of March and April, the website will concentrate on young and student drivers by supplying extra material on how to get affordable automotive insurance coverage. This effort will include outreach to college fraternities and sororities with educational information on safe and responsible driving habits.

“Spring break is an exciting annual event for many young people,” said Insurance4LessDirect.com PR Manager Nick Nicholaidis: “They look forward to taking time off from the rigors of schoolwork to spend time with friends having fun in an exotic setting. It also means potential drunk driving incidents. With latest violence and drug wars in Mexico, most youngsters will go to California, Florida or Carolina Coastal and that can bring a world of insurance hurt to young drivers on our domestic streets.

As more and younger people head to the beach, Insurance4LessDirect.com is reminding consumers that adequate insurance and proper vehicle maintenance are ways to help make sure you make the most of your spring break.

“Police Departments will increase drunk-driving enforcement along all major thoroughfares during Spring Break” said Nicholaidis. “Keep yourself insured, not uninsured or underinsured. Our goal is to help you to save hundreds of dollars on all your insurance needs. Comparing automobile insurance online is not an easy task and it can take lots of time and efforts, not to mention wasting your valuable time on web sites that simply don’t work the way they said it should. Insurance4LessDirect is different. We can assist you with all of your insurance needs and let you compare rates with top insurance carriers from one simple form.”

Insurance4LessDirect.com offers the following tips and advices to help students hitting the roads:

1.Avoid careless, reckless, aggressive drivers and drivers who may be intoxicated
2.Drive safely. Nothing drives up the cost of insurance more than a history of accidents and moving violations.
3.Wear your seatbelt. All passengers should use seatbelts.
4.Maintain a B average for a “good student” discount.
5.Tell family and close friends where you are going. Including the name of the hotel and when you expect to return.

With snowy and black-ice-topped routes, there is potentiality for a driver to get into a nasty winter automobile accident at every turn. Winter is a busy time for insurance companies, with scores of other drivers also trying to make auto insurance claims. The key to a successful auto insurance claim, however, is knowing how to address the accident.

Knowing how to deal with a chance event this winter will determine whether an car insurance claim is successful for not.

The right steps to dealing with the accident include:

1. Knowing local driving laws (and following them)
2. Filing a police report
3. Contacting one’s auto insurance agent
4. Officially filing an automobile insurance claim right away
5. Collaborating with one’s insurance provider’s car insurance claims process
6. Keeping a regular (and documented, if possible) course of communication between the insurance provider and the driver. The driver should always follow up with their claim and be sure the insurance company is on top of it.

During the winter, with snow-covered roads and treacherous black ice, drivers should take precautions to avoid nasty accidents, including using snow tires and chains, being extra careful while driving, etc. But when an accident is inescapable, knowing how to file an automobile insurance claim helps one avoid steep out of pocket expenses.
Using these guidelines and taking the right precautions during the winter months will make sure that your winter driving is as safe as possible, keeping your car insurance rate as low as you can.

Do not pay too much for car insurance when online shopping is so easy to compare car insurance. Request your free Anywhere in USA car insurance www.insurance4lessdirect.com quotes right away!

New Jersey Car Insurance Requirements

New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic insurance coverage is frequently referred to as 15/30/5 coverage with 15/30 UM limits.

New Jersey Insurance Coverage:

Basic Policy
Property Damage Liability: $5,000 Limit
Personal Injury Protection: $15,000 Limit
Standard Policy
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
Uninsured Motorist Property Damage: $5,000 Limit
Personal Injury Protection: $15,000 Limit
*Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury.

The state of New Jersey follows a Choice No-Fault system implying drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.Personal Injury Protection (PIP) helps pay for “reasonable and necessary” medical expenses for you and your passengers. New Jersey state law requires a minimum Personal Injury Protection coverage of $15,000.

To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.

Save hundreds of dollars in fifteen minutes

When you get a quote at Insurance4lessdirect.com our coverage page will give you the option of choosing, more varied coverage packages, or you can tailor-make every limit and deductible to fit your needs. If that is too complicated, Insurance4lessdirect.com’s insurance agents after you are finished with quote process will give you a phone call in order to help you all the way through purchase process.

Get local car insurance in all of New Jersey. Enter your zip code in the quote boxe on our Home page to get an car insurance quote now. It is important to shop for auto insurance so you get the best available rate! Insurance4lessdirect.com brings competition directly to the customer and we work to lower your costs through technology. By requesting a quote on Internet you could save hundreds instantly!

If you need information for other states besides New Jersey, just put your zip code and select insurance type that you need. Insurance4lessdirect.com represents insurance companies providing the same low rates in many states.

Don’t browse by price alone. When looking for New York car insurance, you want a company that answers your questions and handles claims fairly and efficiently. There are many generators for finding great rates and service, but one of the easiest and most efficient is the World Wide Web. And for the best quotes, insurance4lessdirect.com is the place you prefer to go.

When it comes to car insurance, the state law for New York requires a minimum coverage of $25,000 for Bodily Injury Liability per injured person. It also requires up to a maximum of $50,000 per accident. The minimum state requirement for Property Damage Liability coverage is $10,000. This type of coverage is generally referred to as 25/50/10 coverage. In New York, however, it’s usual for consumers to buy higher amounts of coverage- that will be one of the elements you will have to take in making your insurance decision.

As with any purchase, it’s a good idea to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Getting quotes online is one of the most convenient methods of researching and obtaining the best deals in car insurance- and you can do it from the convenience of your home!

What happens if you don’t get car insurance in New York? Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify the department of motor vehicles of all policy cancellations, non-renewals, and new policies. If this is the case with you, the law enforcement officer will know it and it could cause you huge fines or worse. Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. This can be costly to the vehicle owner. Be sure that you follow the New York State car insurance laws!

Although New York automobile insurance does not require a minimum Personal Injury Protection (PIP), there are advantages to having this type of coverage. For instance, if you ever have an accident, PIP will pay for your and your passengers’ medical expenses.

Another type of optional coverage you can consider getting is Uninsured/ Underinsured Motorist Coverage. This coverage will help compensate for any accidental injury caused by an uninsured driver. You can choose to purchase this added protection, although state law for New York car insurance does not require it.

New York car insurance is really not that complex. While many residents in The Empire State will get their insurance in the traditional way, make sure you compare car insurance rates from multiple companies to get the best rate. You can call each car insurance company directly or you can shop for automobile insurance online. Shopping for car insurance online can be faster and more convenient.- you should consider saving money and going to insurance4lessdirect.com . New York residents often pay more than they should for their car insurance. Data from the Insurance Information Institute suggests that residents of New York spent an average of around $1083 on insurance premiums in 2006 (the national average was $803). This represents a decrease from 2005, when residents were paying $1125 on average. While decreases in premiums are good, you should be aware that during the previous five years, New York residents had been experiencing yearly increases of nearly 1.4% on average. In general, 2005 was the year when a majority of customers across the nation began to see their premiums decline.

You can start saving money for New York car insurance right now by visiting insurance4lessdirect.com.

Insurance is a business, and like any other business it needs to generate profit. Monetary losses from an excessive amount of insurance claims are commonly repositioned to the consumer in the bundle of higher insurance premiums. If the insurance company had an highly gainful year, they may lower rates to attract more buyers and increase the number of policyholders they have. For this cause, insurance rates vary greatly from one company to another.

Health and life insurance rates are very low right now in this competitive insurance industry. However, many health and life insurance companies offer low initial rates to acquire insurance customers and then step by step increase these teaser insurance rates over time. The best way to ensure you are getting the best price for your insurance needs is to review your policy rates regularly and compare them versus what other competing insurance companies are offering. You can do this by requesting insurance quotes from multiple insurance companies.

Use Technology to Find an Inexpensive Coverage

In the past, getting insurance quotes was a time consuming affair that involved hours on the phone or lengthy meetings with individual insurance agents. With the technology advancements of today, you can request insurance quotes quickly and efficiently. It only takes more or less two minutes to fill out the online insurance questionnaire provided on Insurance4lessdirect.com. Our latest technology allows you to instantly compare insurance coverage and premium quotes from multiple competing companies. The best part is you only have to insert your information once rather than going from website to website. We are not an insurance company, but we offer tips on how to find out the amount of insurance coverage you need.

So, whether you are looking for a more affordable car insurance rate for an expiring automobile insurance policy, or you just want to make certain you are getting the best deal on house, renters, disability, long term care, cancer, burial (final expense), life insurance, and annuity, Insurance4lessdirect.com is here to help both men and women find inexpensive insurance coverage. Why not see if you can save a little extra money on your health insurance premiums? You have the choice of comparing affordable insurance coverage quotes online.

Find out How to Get a Discount from Insurance Companies

Our learning center is committed to help insurance consumers become educated on their insurance needs. Our library of informative material, insurance guides will help you in a diversity of insurance situations. The next time you have an accident or need to file an insurance claim you can be prepared. We’ll also tell you about what to do when a claim is denied and your rights as a policyholder. You’ll also learn how to understand your insurance policy and of course, there are many tips on how to save money on insurance.

Don’t pay more for insurance than you have to. Take time to compare your current insurance rates with parallel coverage from other insurance contenders. It only takes a few minutes to select the type of coverage you are interested in, and you’ll be on your way to comparing insurance quotes and saving money!

If a teen drivers becomes newly licensed, be sure to get hold of the insuring carrier to have them named as drivers and remove from being listed as excluded. Never assume coverage without first verifying with the insurance firm.

Car Insurance Comparison for Teenagers

The first thing that parents should consider is whether they should add them to their existing policy or insure them individually. The best step to help decide this is to compare the difference in price. First see how much the premium would elevate if added onto the ongoing policy and compare it to insuring them on an individual basis. Keep in mind that there are pros and cons to adding the adolescent to the parent’s policy:

* Pros – The teenager can drive any other vehicle on the insurance policy and other drivers can also drive the teen’s vehicle.
* Cons – The premium for other vehicles on the policy may be increased.

Cheap Auto Insurance for teenage Drivers

Buying the right vehicle can result in large savings when it comes to insuring teens. Keep in mind that fast cars and a teenager can become a very costly combination. It would be in one’s best interest to buy their new driver an economical and reliable automobile. This will definitely maintain rates down and may be a lot safer for an inexperienced motorist.

Also, financing autos usually means having to acquire comprehensive and collision coverage which in turn will only add to the cost of a premium. If possible, it may be a good to buy lower end vehicles that can be paid with cash on hand to avoid having to purchase extra coverage. If one does need to finance a vehicle it may be wise to consider raising the deductible when purchasing a insurance policy. This can lower premiums but one must keep in mind that this is the amount that would have to be paid in the event that a claim is filed.

There are actions that can be taken to ensure finding the most affordable insurance for young drivers since they tend to pay the highest rates compared to any other age group. It’s important to take advantage of any savings that one can find. One of the basic ways to keep premiums down is to add teens to a parent or guardian’s existing policy. With that being said, it could be beneficial to shop around. The parent’s current carrier may not be the cheapest when it comes to insuring adolescents. Most companies view a teen as a high risk and each company will price coverage differently. Comparison shopping can often help find providers that are softer in price when it comes to younger automobilists.

Be sure to take advantage of discounts. Many carriers will offer a discount of adequate to 20% for students that maintain a “B” grade point average or higher. This can lower the premium considerably. Some insurance companies will also offer lower rates to youngsters who have completed a safe driving course. A certificate of pass completion may be needed to be presented to the insurer in order to receive this reduction in rate.

Practice safe driving. It is imperative that parents instruct their youngsters the importance of always obeying traffic laws and controlling vehicles safely. By avoiding accidents and fines they will be eligible for a good driver deduction after a certain amount of time behind the steering wheel. This can usually save around 20% on the price of a premium and in combination with other discounts the savings can be quite substantial.

Car Insurance Comparison

Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record, and the likeliness of theft. Many insurers offer price reduction for features that reduce the risk of injuries or theft. These include daytime running lights and anti-theft devices.

Deductibles

Deductibles are what you pay before your insurance policy sets in. By requesting higher deductibles, you can lower your costs considerably. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

Multi-Policy discount

Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers. But it still makes sense to shop around! You may save money buying from different insurance firm, compared with a multi-policy discount.

Good Credit Record Saves

Building a solid credit history can cut your insurance costs. Insurers are more and more using credit information to price auto insurance policies. To protect your credit standing, pay your bills on time, don’t obtain more credit than you need and keep your credit balances as low as possible. Check your credit record regularly and have any faults corrected promptly so that your record remains accurate.

Safe Drivers Benefit More

Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. If there is a young driver on the policy who is a good student, has taken a drivers education course or is at a college out of the area without a car, you may also qualify for a lower rate.

“Company prices are very different, and it pays to browse around. You can easily end up paying double from one company to the next,” says Nick Nicholaidis, PR Manager with the Insurance4LessDirect.

There are a host of independent Web sites, like Insurance4lessdirect.com, that allow you to comparison-shop by offering online price quotes. These sites can be incredibly useful.

The average rate for car insurance has dropped to $1,879 a year, according to Ratewatch research. The overall average has fallen $103 since its 12-month high in October 2008.

While the average fell only 0.5% in March, that came on the heels of December’s 3.2% plunge. If you break down the numbers state by state, 19 states saw insurance rates fall last month. Arizona saw the largest rate decrease (5.1%) and South Dakota had the largest hike (6.7%).

This research also provides a case study in what happens when competitive forces are unleashed and markets are allowed to operate more freely. And while some drivers are worse off, the vast majority of consumers have gained from the changes.

Auto insurance prices have been declining around the country, lower rates in 19 states were a welcome sight. March auto rates continued to decline. The lowest annual car insurance quotes, on average, decreased from $1,888 per year to $1,879 annually. The highest rates in the past 12 months were quoted in October 2008. Rates increased 8% in total in 2008.

If you break down the numbers state by state, 19 states saw insurance rates fall last month. Arizona saw the largest rate decrease (-5.1%), Virginia (-4.5%), and South Dakota had the largest hike (+6.7%), following Nebraska and Minnesota with (+5.9%).

“The insurers have been pouring millions into advertising and then provide better deals to customers, it’s all about new customer acquisition” says Nick Nicholaidis PR Manager at Insurance4lessdirect.com. “People are changing the way they shop for car insurance. Shopping online is an easy way for people to learn their car insurance options quickly and with no hassle. By comparing quotes, people can save hundreds of dollars” says Nicholaidis.

Learning your car insurance options is simple. Start by visiting www.Insurance4lessdirect.com. Once on the site, fill out a short form about your car insurance needs. It takes less than 5 minutes and is totally free.

Once you complete the form, your information is distributed to your local insurance agents who will research quotes from leading companies. These agents are simply motivated to get you the best deal they can based on your needs and profile. They all work with highly reputable, top-rated insurance providers such as: GMAC, Farmers Insurance, Unitrin, The Hartford, Liberty Mutual and Esurance. They are all trained to provide personalized service and can answer any questions you have regarding your policy and the quotes you receive.

A few minutes of your time, could save you hundreds of dollars.

Insurance4lessdirect.com is warning motorists to take extra caution when they embark on their weekly food run as claims for damage such as scratched paintwork and dented bumpers can significantly affect car insurance premiums.

The top four car park mishaps were:

1. Bumps and scratches caused by drivers trying to reverse into tight parking spots
2. Dents caused by banging car doors against another parked car
3. Reversing into another car while trying to back out of a space
4. Scrapes and scratches due to runaway shopping carts

Nick Nicholaidis, PR Manager at Insurance4lessdirect.com said: “Although most motorists are driving at low speeds in parking lots, a surprisingly high amount of accidents occur. Many drivers are too busy thinking about shopping and not concentrating on their driving leading to careless mistakes. These small bumps and scratches can have a big impact on car insurance premiums.”

Shopping mall parking lots can be notoriously difficult to navigate, as drivers throw caution, and the rules of the road, to the wind in frantic search of a parking space. The layout of some shopping mall driving, drop-off, and parking areas, combined with shrubbery, hedges and other visual obstacles, can add to the confusion of mall driving.

But, if you are involved in an accident in a parking lot who pays what? “Many factors may determine who will pay for any damage. Usually the party who is cited for the accident will be responsible for the damages. If the police are not called and the drivers exchange insurance information and the loss is later reported to the insurance company then an adjuster may decide who is liable. But make sure that at least your vehicle is insured”- ended Nicholaidis.

Did you know: If you were hit by another vehicle in the shopping mall or supermarket parking lot and you are unable to make a claim against the at-fault party because they are unknown, then you should be able to place a claim against your own collision coverage.

Compare Insurance Online

The accessibility and ease of the Internet has revolutionized the shopping world. Everything from pet food to furniture is available 24 hours a day, seven days a week, and 365 days a year from the comfort of your home. This includes online insurance services.

Before the popularity of the internet you had to get your auto insurance by going to the insurance company with an appointment around their schedule not yours! With the online services available now you can order almost anything online. Nowadays, auto insurance is one of those service businesses that are becoming more and more dominated by Internet providers.

With Insurance4lessdirect.com you can buy auto insurance and compare car insurance online any time – weekends, evenings, etc. Not only that, but buying auto insurance online enables you to compare the offerings of several companies side-by-side in terms of policies and premiums. Again when going online an auto insurance policy can be cheaper for other reasons as well. If you go offline you have to spend gas, spend time finding a broker, and leaving work to try to get this all done. Who has time to do all of this? It just makes sense to go online and spend a couple of minutes and have your car insurance policy approved and ready to go!

It’s true, of course, that some people simply prefer meeting and talking face-to face with an insurance agent or broker, rather than simply pounding a computer keyboard. For one thing, they may feel more secure about transferring money in person than on the web. For another, they may prefer having a knowledgeable individual they can ask questions.

No problem!  After you have entered your basic information on our online quote system Insurance4lessdirect.com , a live customer service is available to call you back, at all times for free, to answer any questions you may have. You can make any changes you need to on your policy. You just have to go on our website and push a few buttons and you are ready to go. So you did not have to make another appointment to see your old insurance agent. You also may be able to manage your policy online any time you want to see it.

Insurance4lessdirect.com starts by asking you for your zip code – How many cars you are insuring. How many drivers. Year, make and model of your vehicle. Use of your car. Discounts for which you may be qualified, such as airbags, antilock brakes, car alarm. Coverage you are looking for… – easy enough?  With us you will be able to compare policies and quotes. The Insurance4lessdirect.com application process is actually fairly simple, and takes only a couple minutes

Insurance4lessdirect.com offers multiple insurance carriers. We will give you a chance to get a quote from multiple insurance carriers, and help you to find the lowest cost provider.

Shop with Insurance4lessdirect.com! You can save your time and money by comparing auto insurance rates!