Comparing Car Insurance Online – Saves Money

Finding inexpensive insurance policy rates can be a confusing job. Frequently people wind up spending more money on exploring than the amount they really save – said Nick Nicholaidis from Insurance4LessDirect.com This situation caught our attention and Insurance4LessDirect.com came up with the finest service to compare the most affordable insurance rates on the market, added Nicholaidis. Rather than walking from insurance agent to a different one, or making countless phone calls, online insurance service is just a click away from your computer or smartphone. You are able to compare the rates of insurances available in your vicinity. Choose the best suitable insurance policy you wish to go for – said Nicholaidis.

Getting Cheap Car Insurance Was Never So Easy

But it can be very simple if you are using Internet – added Nicholaidis. All that you need to do is fill in the zip code and enter the type of insurance policy you are in search for. The search will immediately be forwarded to our network of licensed brokers and agents who compare the rates and send you instantaneous results according to your specific needs and location. Online Insurance comparison service is highly reliable and over the past years, we have helped thousands of people find themselves the best insurance rate quotes. The use of Internet insurance quotation service is so easy and hassle free that you will wish you had used them much earlier. You will realize how much money you have wasted on costly policies due to the lack of complete information, comparison and knowledge – explained Nick Nicholaidis PR from Insurance4LessDirect.com

Are You Insurance Company?

The answer to this question is ‘NO’. Insurance4LessDirect.com is not an insurance provider; neither do we endorse any particular company or seller. We help you search the best and most affordable insurance rate quotes for your home, automobile, life, disability and health cover needs. We ensure that you benefit every time you purchase any insurance policy -

Competition in the Industry

Just like every other sphere, the insurance sector has also witnessed fantastic growth. A numbers of companies, both new and old, have made it very difficult to get cheapest and the best insurance policy yourself. Respective companies provide great offers and generous discounts on insurance fees. To nourish their shares in the competitive marketplace, some companies go the other way and try to fool around customers by in-genuine ads and consultation. They overcharge you for the insurance policies that are available in the common market for cheaper rates. After buying the insurance policy, you realize that you have been trapped by the simulated advertisements and promises. Beware of such companies. And before buying any such policy, run a quick check for best insurance rate quotes. You will be in for a surprise – warned Nicholaidis.

Cost Efficiency

If you are buying insurances at the most inexpensive and most competitive rates, then you have the advantage of purchasing more number of policies for yourself and your assets. You will finish up paying the lowest premiums and save lots of money.

Insurance is still affordable in the world where living costs are continuously rising. Every time you purchase a policy, ensure you get the best insurance rate quotes. So stay economical in these troubled economic times and compare insurance policy rates before you purchase any.

Our job is to make sure that no one spends a penny more than the actual rate of any insurance and we have provided our service regardless of the type of insurance required. With our help you will easily get the best insurance rate quotes.

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Car insurance comparison possibility to save

Insurance4LessDirect.com is committed to providing you with the best insurance coverage, so you’re secure no matter where the road takes you. You don’t have to sacrifice quality for price, or service for that matter, because you get it all with our insurance policy providers. You will get a great rate and your agent will work with you to make sure you get every discount rate possible, along with right amount of coverage so that nothing is left up to chance.

The right amount of insurance coverage is essential. Insurance4LessDirect.com offers a choice and variety of insurance coverage selections to protect you and your passengers, your vehicle and the other drivers you encounter on the road.

So, when you consider everything, the choice is clear. Insurance4LessDirect.com offers possibility to find lowest rates and reliable insurance coverage. Plus we are committed to doing everything we can to go past your expectations.

Insurance rates found using Insurance4LessDirect.com are already among the lowest in the industry, but that is only the beginning. You will be able to spare even more when you include extra discounts that may be available.

• Good-Driver Discount
• Multi-Car Discount
• Professional/Association Discounts
• Anti-Theft deduction
• Good Student Discount
• Multi-Policy discount rate

*Discounts may vary by state.

Let us prove it to you. Take a few minutes today to get a quote and you will understand why numerous folks prefer Insurance4LessDirect.com every day.

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New Jersey Auto Insurance – Car Insurance Quote Comparison in NJ

NJ Car Insurance ComaprisonFinding affordable car insurance rates in New Jersey has never been easier. Insurance4lessdirect.com offers the best Internet Insurance Marketplace to help you to compare and shop for the lowest local automobile insurance rates available. We offer one convenient place to get a quote and buy a insurance policy in 15 minutes or less. Additionally, we have all the resources you need to make informed decisions about your auto insurance. You get great service from several the most dependable and inexpensive insurance companies in New Jersey, so the only thing you do is shop to save money.

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.

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Big parking lots: Responsible for Thousands of Car Insurance Claims

The next time you make a trip to a shopping mall or big box store, drive with caution. U.S. nationwide car crashes and fender benders happen on a regular basis in the parking lots, access roads and surrounding shopping areas.

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.

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What happens if I am not insured and drive my car?

That depends on the state you live in. Most states have stringent laws about having car insurance and if you don’t choose to follow these laws by not purchasing car insurance, there can be tough penalties and fines. According to the New York Department of Motor Vehicles (DMV) if you are convicted of operating an uninsured motor vehicle or permitting another person to be operate your uninsured vehicle; your license will be revoked for at least one year. The same penalty applies if the Department of Motor Vehicles receives evidence that you were involved in an accident without being insured. Your vehicle may be impounded and you may be charged with breaking the law and that will be on your police record. Also, if you cause an accident, on top of the above mentioned things you will still have to pay for the damage to the other vehicle and people who may have been hurt, which can easily run into thousands of dollars.

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