Compare Audi A4 Insurance Rates in Jersey City

Everyone knows that car insurance companies want to keep your business as long as possible. Consumers who shop around for better prices will presumably switch auto insurance companies because of the high probability of finding a lower-cost company. A recent auto insurance study revealed that drivers who routinely shopped around saved $865 a year compared to policyholders who never shopped for cheaper rates.

If saving the most money on insurance in Jersey City is why you’re here, then having some knowledge of the best way to compare cheaper coverage can make shopping around easier.

The best way we recommend to find more affordable auto insurance rates in Jersey City is to start comparing prices regularly from companies that insure vehicles in New Jersey. Rates can be compared by following these steps.

1. Gain an understanding of car insurance and the modifications you can make to keep rates in check. Many rating criteria that result in higher prices such as at-fault accidents and a bad credit rating can be eliminated by being financially responsible and driving safely. Read the full article for more information to find cheap rates and earn larger discounts.
2. Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote rates from multiple insurance companies.
3. Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Give proper notification to your current agent or company of your decision to cancel your current auto insurance policy and submit payment and a signed application for the new coverage. As soon as you have the new policy, place your new proof of insurance paperwork along with your vehicle registration.

One bit of advice is to try to use similar deductibles and liability limits on each quote and and to get quotes from every company you can. Doing this provides a fair price comparison and a complete rate analysis.

Low Cost companies for Audi A4 insurance

The companies shown below are ready to provide free quotes in Jersey City, NJ. If multiple companies are listed, we suggest you get price quotes from several of them in order to find the most competitive rates.

Insurance coverage details

The coverage table shown below covers a range of coverage costs for Audi A4 models. Being more informed about how insurance policy premiums are calculated is important for drivers to make decisions on which coverage to buy.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in vehicle garaging location which can modify premiums substantially.

Physical damage deductible comparison

A question often asked by Jersey City drivers is at what level do you set your deductibles. The rates shown below can help illustrate the price difference between high and low comp and collision deductibles. The first set of prices uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in your specific Jersey City location which can alter premium rates significantly.

Based on the above data, using a $100 deductible will cost you about $59 more each month or $708 every year across all Audi A4 models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 15 months between claim filings, you would probably come out ahead going with the higher deductible. The illustration below shows how this calculation is made.

One thing to be aware of is that increasing deductibles to save money means you will have to cover more of the damage yourself when you have a physical damage claim. You need to make sure you have some money saved in order to pay the deductible.

The information below illustrates how your choice of deductibles and can change Audi A4 insurance rates for different age groups. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

How careless driving impacts car insurance rates

The illustration below illustrates how traffic citations and at-fault claims influence Audi A4 car insurance costs for different age groups of insureds. The rates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Audi A4 insurance premiums by gender and age

The diagram below compares Audi A4 insurance costs for male and female drivers. The rates are based on no claims or driving violations, comp and collision included, $100 deductibles, single status, and no additional discounts are factored in.

How much more does full coverage cost in Jersey City?

The diagram below compares Audi A4 auto insurance rates with and without physical damage coverage. The information is based on no claims or driving citations, $500 deductibles, drivers are not married, and no discounts are factored in.

Are you wasting money on full coverage?

There is no specific rule for phasing out comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Audi A4 replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying the physical damage deductible. If it’s costing in excess of $600 a year to have full coverage, then you may need to consider dropping full coverage.

There are some conditions where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Jersey City auto insurance discounts

Some companies don’t always list all discounts in a way that’s easy to find, so the following list contains both well-publicized as well as some of the hidden credits that may apply to you.

• No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on Jersey City car insurance quote as opposed to accident-prone drivers.
• Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and that can save you a little bit as well.
• Early Switch Discount – Some larger companies provide a discount for switching policies before your current expiration date. This can save 10% or more.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
• Save with a New Car – Buying a new car model can get you a discount because new vehicles are generally safer.

Don’t be surprised that some of the credits will not apply to the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

The example below visualizes the comparison of Audi A4 auto insurance rates with and without discounts being applied to the rates. The data assumes a female driver, no accidents, no driving violations, New Jersey state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-car, multi-policy, and safe-driver discounts applied.

A few of the larger companies and a selection of discounts can be found below.

• State Farm may have discounts that include driver’s education, multiple autos, Steer Clear safe driver discount, Drive Safe & Save, and student away at school.
• Nationwide offers discounts for Farm Bureau membership, family plan, multi-policy, defensive driving, accident-free, and easy pay.
• GEICO has discounts for seat belt use, emergency military deployment, five-year accident-free, daytime running lights, and good student.
• AAA may include discounts for AAA membership discount, multi-policy, pay-in-full, education and occupation, multi-car, good driver, and good student.
• 21st Century policyholders can earn discounts including air bags, good student, early bird, student driver, theft prevention, anti-lock brakes, and defensive driver.
• The Hartford discounts include bundle, defensive driver, air bag, vehicle fuel type, and good student.

If you need lower rates, check with all companies you are considering which discounts can lower your rates. Some discounts may not apply to policyholders in Jersey City.

Compare prices but buy from a neighborhood Jersey City auto insurance agent

Some people still like to get professional advice from a licensed agent and doing so can bring peace of mind Agents can help determine the best coverages and help submit paperwork. One of the best bonuses of getting free rate quotes online is you can get cheap car insurance quotes and still have a local agent. Buying from neighborhood insurance agencies is important particularly in Jersey City.

To make it easy to find an agent, after completing this simple form, your coverage information is transmitted to agents in your area who want to provide quotes for your business. There is no need to visit any agencies as quotes are delivered straight to your inbox. If for some reason you want to get a rate quote from a specific insurance company, you would need to jump over to their website and fill out the quote form the provide.

If you are wanting to find a good insurance agency, there are a couple of different agency structures and how they differ in how they can insure your vehicles. Agents are categorized either exclusive or independent agents depending on their company appointments. Either one can do a good job, but it is a good idea to know the subtle differences because it can impact your agent selection.

Independent Car Insurance Agents (or Brokers)

These type of agents are not employed by one company so they can insure your vehicles with a variety of different insurance companies and get the cheapest rates. If they find a cheaper price, your agent can switch companies and that require little work on your part. When comparing car insurance rates, it’s recommended you check rates from at least one independent agent for maximum quote selection.

Listed below are independent agents in Jersey City that may be able to give free rate quotes.

More Jersey City agents

Exclusive Agents

Exclusive insurance agents generally can only insure with one company and some examples include Farmers Insurance, Allstate, or State Farm. These agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive insurance agents are trained well on their company’s products which aids in selling service over price.

Listed below are exclusive insurance agents in Jersey City that are able to give comparison quotes.

More Jersey City agents

Picking an car insurance agent needs to be determined by more than just a cheap quote. The answers to these questions are important, too.

• Is the agency involved in supporting local community causes?
• Has the agent ever had any license suspensions?
• Does the agency have a good rating with the Better Business Bureau?
• Do they offer rental car reimbursement?
• What insurance companies do they work with in Jersey City?
• Can you get a list of referrals?
• How much experience to they have in personal lines coverages?

Specific coverages for an Audi A4

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Collision insurance

Collision coverage will pay to fix damage to your A4 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, rolling your car, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible on your A4 in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as funeral costs, prosthetic devices, dental work, EMT expenses and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability car insurance

This will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 15/30/5 that means you have $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical expenses, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible. New Jersey requires minimum liability limits of 15/30/5 but you should think about purchasing more coverage.

The chart below demonstrates why buying minimum limits may not be adequate.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Audi A4.

Due to the fact that many New Jersey drivers carry very low liability coverage limits (New Jersey limits are 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

One last thing about your coverage

Cheaper Audi A4 insurance in Jersey City is available both online and from local agencies, so get free Jersey City car insurance quotes from both of them in order to have the best chance of saving money. A few companies may not have the ability to get quotes online and usually these small, regional companies only sell coverage through local independent agencies.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to find the BEST coverage for the lowest price and still be able to protect your assets.

Much more information about auto insurance in New Jersey is available at these links:

• Learn About Car Insurance (GEICO)
• Who Has the Cheapest Car Insurance Quotes for Government Employees in Jersey City? (FAQ)
• How Much is Auto Insurance for a School Permit in Jersey City? (FAQ)
• Who Has Cheap Car Insurance Rates for a Toyota Corolla in Jersey City? (FAQ)
• Safe Vehicles for Teens (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• State Laws for Cellphones and Texting (iihs.org)