Car Insurance Quotes for an Audi S4 in Jersey City

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It's well known that insurance companies don't want you to look for cheaper rates. Insureds who shop around for cheaper price quotes are highly likely to buy a different policy because there is a high probability of finding discount prices. Remarkably, a study showed that people who made a habit of comparing rates saved on average $72 a month as compared to drivers who never shopped around.

If finding the best rates on auto insurance in Jersey City is the reason for your visit, then learning about how to quote and compare coverages can help make the process easier and more efficient.

Insurance quote for Audi S4 in Jersey CityIf saving the most money is your goal, then the best way to save money on Audi S4 insurance in Jersey City is to compare prices regularly from insurers in New Jersey. Prices can be compared by following these steps.

Step 1: Spend some time learning about auto insurance and the modifications you can make to prevent expensive coverage. Many things that result in higher rates such as accidents, careless driving, and a not-so-good credit rating can be rectified by paying attention to minor details.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while agents who are independent can provide prices for many different companies.

Step 3: Compare the quotes to your current policy and determine if there is any savings. If you find a better price and make a switch, make sure there is no lapse in coverage.

The critical component of shopping around is that you'll want to make sure you compare identical limits and deductibles on each quote request and and to get rates from as many different insurance providers as possible. Doing this guarantees a level playing field and many rates to choose from.

Locating the best rates in Jersey City can initially seem challenging. If you're already insured, you will surely be able to buy cheaper auto insurance using the concepts you're about to learn. Shoppers just have to use the best way to compare rate quotes online from multiple companies.

Four Tips to Get Cheaper Jersey City Insurance Rates

It's important that you understand some of the factors that are used to determine car insurance rates. If you have some idea of what determines base rates, this enables you to make decisions that may reward you with lower premium levels. Many different elements are considered when premium rates are determined. Some factors are common sense like your driving record, but other factors are less apparent such as whether you are married and annual miles driven.

The list below includes some of the things used by companies to determine your premiums.

  • You may save more by bundling policies - The majority of companies will award better rates to clients who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount applied, it's in your best interest to compare other company rates to verify if the discount is saving money.There is a chance you can save more without the discount even if you have your coverage with different companies
  • Traffic violations inflate premiums - Even one citation could increase your next policy renewal substantially. Good drivers get better prices than their less careful counterparts. People who have dangerous violations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state's department of motor vehicles in order to drive a vehicle legally.

    The illustration below illustrates how traffic citations and at-fault fender-benders can increase Audi S4 premium costs for each different age category. The information is based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

  • Driver age impacts premiums - Teen drivers in New Jersey tend to get distracted easily when driving with friends and because of this, their car insurance rates are much higher. Having to add a inexperienced driver onto your car insurance can really hurt. Mature drivers are shown to be more cautious, tend to cause fewer accidents, and tend to be get fewer driving tickets.

    The data below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • City dwellers may pay more - Residing in areas with lower population can save you money when talking about car insurance. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates. Urban drivers have to deal with congested traffic and more severe claims. More time on the road statistically corresponds to a higher accident and claim rate.
  • Audi S4 historical loss data - Auto insurance companies use past insurance losses when they calculate premium prices for each model. Models that historically have higher frequency or amount of claims will cost more for coverage. The next table illustrates the insurance loss data used by companies for Audi S4 vehicles.

    For each coverage category, the loss probability for all vehicles averaged together equals 100. Numbers that are below 100 suggest a better than average loss history, while numbers that are greater than 100 point to more frequent losses or tendency to have larger claims.

    Audi S4 Insurance Loss Statistics
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Audi S4 4dr 4WD 206 78 182 51 57 75
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

Audi S4 insurance rate analysis

The premium information below outlines detailed analysis of coverage costs for Audi S4 models. Understanding how rates are figured can help customers make informed coverage decisions.

Audi S4 Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $326 $760 $462 $28 $138 $1,714 $143
S4 Quattro 4-Dr Sedan $326 $760 $462 $28 $138 $1,714 $143
S4 Quattro 4-Dr Sedan $360 $760 $462 $28 $138 $1,748 $146
S4 Quattro 4-Dr Sedan $360 $760 $462 $28 $138 $1,748 $146
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in specific Jersey City garaging location which can lower or raise premium rates noticeably.

Insurance deductibles

One of the more difficult decisions when buying insurance is what deductibles to buy. The following insurance rates show the differences in price when you choose different physical damage coverage deductibles. The first rate estimation uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Audi S4 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $466 $960 $408 $24 $122 $2,005 $167
S4 Quattro 4-Dr Sedan $466 $960 $408 $24 $122 $2,005 $167
S4 Quattro 4-Dr Sedan $514 $960 $408 $24 $122 $2,053 $171
S4 Quattro 4-Dr Sedan $514 $960 $408 $24 $122 $2,053 $171
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Audi S4 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $288 $604 $408 $24 $122 $1,446 $121
S4 Quattro 4-Dr Sedan $288 $604 $408 $24 $122 $1,446 $121
S4 Quattro 4-Dr Sedan $318 $604 $408 $24 $122 $1,476 $123
S4 Quattro 4-Dr Sedan $318 $604 $408 $24 $122 $1,476 $123
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate information does not factor in your specific Jersey City location which can increase or decrease prices considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $47 more each month or $564 for a full year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 16 months between claim filings, you would probably save some money if you decide on a higher deductible. The table below illustrates the way you can make your own decision.

Average monthly premium for $250 deductibles: $169
Average monthly premium for $1,000 deductibles (subtract): - $122
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important thing to remember is that a higher deductible level results in having to pay to pay more out-of-pocket if you have a claim. You must have enough disposable income in the event you have to pay the deductible.

The information below illustrates how your choice of deductibles and can impact Audi S4 annual premium costs for different age groups. The premium estimates are based on a single male driver, full physical damage coverage, and no policy discounts are applied.

Rate comparison of male drivers versus female drivers

The information below compares Audi S4 car insurance costs for male and female drivers. The costs are based on no claims or driving citations, comp and collision included, $500 deductibles, single status, and no policy discounts are applied.

Cost difference between full coverage and liability

The information below visualizes the comparison of Audi S4 insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no accidents or driving violations, $250 deductibles, single marital status, and no additional discounts are factored in.

When to buy liability coverage only

There is no clear-cut formula of when to stop paying for comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's pretend your Audi S4 settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If it's costing in excess of $600 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Slash your insurance rates with discounts

Insuring your fleet can be pricey, but you can get discounts to help bring down the price. Some discounts will apply when you get a quote, but once in a while a discount must be requested specifically in order for you to get them.Cheaper insurance with discounts

  • Multiple Cars - Insuring primary and secondary vehicles on a single policy can get a discount on all vehicles.
  • Student Discounts - Maintaining excellent grades can save 20 to 25%. The good student discount can last until age 25.
  • Student Discount for Driver Training - Have your child participate in a local driver's education class if offered at their school.
  • Passenger Safety Discount - Vehicles equipped with air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Policy Bundle Discount - When you combine your homeowners and auto insurance with one company you may earn up to 20% and get you low cost Audi S4 insurance.

One thing to note about discounts is that most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.

The example below shows the difference between Audi S4 auto insurance costs with and without policy discounts. Data assumes a male driver, no accidents, no driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, safe-driver, homeowner, and multi-policy discounts applied.

To find insurance companies who offer discounts in New Jersey, follow this link.

What is the best car insurance company in New Jersey?

Choosing the highest-rated insurer is hard considering how many companies there are to choose from in New Jersey. The ranking information in the next section may help you select which providers to look at when shopping your coverage around.

Top 10 Jersey City Car Insurance Companies by A.M. Best Rank

  1. GEICO - A++
  2. Travelers - A++
  3. State Farm - A++
  4. USAA - A++
  5. Allstate - A+
  6. Nationwide - A+
  7. Mercury Insurance - A+
  8. Progressive - A+
  9. The Hartford - A+
  10. Esurance - A+

Top 10 Jersey City Car Insurance Companies Ranked by Customer Satisfaction

  1. The Hartford - 93%
  2. Progressive - 90%
  3. 21st Century - 89%
  4. USAA - 87%
  5. Mercury Insurance - 87%
  6. State Farm - 87%
  7. Travelers - 87%
  8. Safeco Insurance - 86%
  9. AAA Insurance - 86%
  10. American Family - 85%

Keep this in mind when shopping around

Some insurance companies do not provide the ability to get quotes online and most of the time these small, regional companies only sell coverage through independent insurance agencies. Discount Audi S4 insurance can be found both online and also from your neighborhood Jersey City agents, and you need to price shop both to have the best rate selection.

When you buy Jersey City car insurance online, it's a bad idea to reduce needed coverages to save money. There have been many cases where an insured dropped liability coverage limits only to regret at claim time they didn't purchase enough coverage. The proper strategy is to get the best coverage possible at an affordable rate, but don't skip important coverages to save money.

You just learned many ways to lower your Audi S4 insurance premium rates in Jersey City. The key concept to understand is the more times you quote, the better likelihood of getting low cost Jersey City car insurance quotes. You may even find the lowest priced car insurance comes from a small mutual company.

Much more information about car insurance in New Jersey can be read on the following sites: