Save Money on Audi Q5 Insurance in Jersey City

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Audi Q5 insurance policy
Audi Q5 insurance policy image courtesy of QuoteInspector.com

It's hard to fathom, but over 70% of consumers have been with the same company for at least four years, and almost half have never compared rate quotes at all. Drivers in Jersey City can save hundreds of dollars each year, but they just assume it takes a lot of time to compare rate quotes.

Insurance quote for Audi Q5 in Jersey CityIt takes a little time, but the best way to find low-cost prices for Audi Q5 insurance in Jersey City is to compare quotes once a year from insurers in New Jersey. You can compare prices by following these steps.

First, it will benefit you to learn about how insurance works and the steps you can take to keep rates in check. Many rating criteria that result in higher prices such as accidents, careless driving, and a less-than-favorable credit score can be amended by making small lifestyle or driving habit changes.

Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while independent agents can give you price quotes for many different companies. Find a Jersey City insurance agent

Third, compare the new quotes to your existing rates to determine if you can save on Q5 insurance in Jersey City. If you find better rates and make a switch, make sure there is no lapse in coverage.

Fourth, notify your agent or company of your intention to cancel your current auto insurance policy and submit the required down payment along with the signed application to your new company or agent. Once coverage is bound, store the proof of insurance certificate in your glove compartment.

One key aspect of rate comparisons is to use the same coverage limits and deductibles on every price quote and and to look at as many different insurance providers as possible. This provides a fair rate comparison and many rates to choose from.

Finding a better price on car insurance is not rocket science. All that's required is to take time to get quotes to discover which company has the cheapest Audi Q5 rate quotes.

Getting free price quotes online is quite simple, and it replaces the need to actually drive to and from local insurance agencies. Doing it all online eliminates the need for an insurance agent unless you're the type of person who wants the advice and guidance that only a licensed agent can provide. Some companies do allow you to get prices online but have your policy serviced through an agent.

The companies shown below can provide price quotes in New Jersey. To locate the cheapest auto insurance in New Jersey, we suggest you visit as many as you can in order to get a fair rate comparison.

Rates and statistics

The rate information below covers different policy rates for Audi Q5 models. Having a good grasp of how auto insurance premiums are formulated can help drivers make informed decisions when shopping around for a new policy.

Audi Q5 Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $248 $604 $624 $36 $188 $1,700 $142
Q5 3.2 Premium Plus AWD $276 $604 $624 $36 $188 $1,728 $144
Q5 3.2 Premium Plus S-Line AWD $276 $604 $624 $36 $188 $1,728 $144
Q5 3.2 Prestige AWD $276 $682 $624 $36 $188 $1,806 $151
Q5 3.2 Prestige S-Line AWD $276 $682 $624 $36 $188 $1,806 $151
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Estimates do not factor in specific location which can modify prices substantially.

Deductible comparison

One of the most common auto insurance questions is the level to set your comp and collision deductibles. The tables below approximate the costs and benefits when you choose different physical damage coverage deductibles. The first pricing table uses a $250 deductible and the second rate chart uses a $500 deductible.

Audi Q5 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $420 $848 $480 $28 $144 $1,945 $162
Q5 3.2 Premium Plus AWD $466 $848 $480 $28 $144 $1,991 $166
Q5 3.2 Premium Plus S-Line AWD $466 $848 $480 $28 $144 $1,991 $166
Q5 3.2 Prestige AWD $466 $960 $480 $28 $144 $2,103 $175
Q5 3.2 Prestige S-Line AWD $466 $960 $480 $28 $144 $2,103 $175
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Audi Q5 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $340 $684 $480 $28 $144 $1,676 $140
Q5 3.2 Premium Plus AWD $380 $684 $480 $28 $144 $1,716 $143
Q5 3.2 Premium Plus S-Line AWD $380 $684 $480 $28 $144 $1,716 $143
Q5 3.2 Prestige AWD $380 $774 $480 $28 $144 $1,806 $151
Q5 3.2 Prestige S-Line AWD $380 $774 $480 $28 $144 $1,806 $151
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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-policy, homeowner, and multi-vehicle. Rate information does not factor in specific garaging location which can impact rates considerably.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $23 more each month or $276 every year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 11 months between claims, you would most likely save money if you decide on a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $169
Average monthly premium for $500 deductibles (subtract): - $146
Monthly savings from raising deductible: $23
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

An important thing to remember is that raising deductibles means you pay more out-of-pocket when you have a physical damage claim. That will force you to have enough extra money in order to pay more for the deductible.

The information below illustrates how your choice of deductibles and can change Audi Q5 insurance rates for different age groups. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Reckless driving habits raise auto insurance rates

The example below illustrates how speeding tickets and at-fault collisions drive up Audi Q5 yearly insurance costs for different age groups. The information is based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Insurance can be complex

When it comes to buying your policy for your vehicles, there is no cookie cutter policy. Your financial needs are unique so your insurance should reflect thatDrive safe and save For instance, these questions may help you determine if you might need professional guidance.

  • When can my company non-renew my policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I getting all the discounts available?
  • Are rental cars covered under my policy?
  • Do I need PIP (personal injury protection) coverage in New Jersey?
  • Is water damage covered by my policy?
  • What policy terms are available?
  • Is a new car covered when I drive it off the dealer lot?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance is available from your local insurance agencies

Some consumers prefer to talk to a local agent and that can be a smart move Professional insurance agents can help you choose the best coverages and help submit paperwork. A good thing about getting free rate quotes online is the fact that you can find the lowest rates and still buy from a local agent.

After completing this simple form, your insurance coverage information gets sent to local insurance agents who will return price quotes for your insurance coverage. You don't have to contact an agency as quotes are delivered to your email. If you want to compare rates from a specific insurance company, you would need to jump over to their website to submit a rate quote request.

Selecting an provider should include more criteria than just a cheap quote. These are some questions you should get answers to.

  • Are they giving you every discount you deserve?
  • Do the companies they represent have a solid financial rating?
  • Do they have designations such as AIC, CPCU, or CIC?
  • Does the agency have a positive business rating?
  • Does the company allow you to choose your own collision repair facility?
  • Are they full-time agents?

When looking for a reputable insurance agent or broker, there are a couple of types of agencies and how they are slightly different. Agencies in Jersey City can be categorized as either independent agents or exclusive agents depending on their employer. Both can write insurance policies, but it's worth mentioning the difference in the companies they write for because it can factor into which type of agent you select.

Exclusive Agents

Exclusive insurance agents normally can only provide a single company's rates and examples are Allstate, AAA, Farmers Insurance, and State Farm. They are unable to provide other company's prices so you need to shop around if the rates are high. They are highly trained on their company's products which helps them compete with independent agents.

The following is a short list of exclusive insurance agents in Jersey City willing to provide price quotes.


591 Summit Ave - Jersey City, NJ 07306 - (201) 793-7525 - View Map


1025 Summit Ave - Jersey City, NJ 07307 - (201) 604-3874 - View Map


1755 John F. Kennedy Blvd - Jersey City, NJ 07305 - (201) 332-3344 - View Map

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Independent Insurance Agents

Independent agencies do not write with just one company so they can insure your vehicles through many different insurance companies and find the cheapest rate. If premiums increase, the agent simply finds a different carrier and you won't have to switch agencies.

When comparing insurance prices, we recommend you check rates from a couple of independent agencies to ensure the widest selection of prices.

The following are Jersey City independent insurance agents willing to provide rate quotes.

Cheap Car Insurance Quotes Auto Newark NJ
268 W KINNEY ST - Newark, NJ 07103 - (888) 290-0635 - View Map


2330 John F. Kennedy Blvd - Jersey City, NJ 07304 - (201) 435-4300 - View Map

Wexford Insurance
45 Laidlaw Ave - Jersey City, NJ 07306 - (201) 659-6050 - View Map

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If you receive good responses to your questions and low cost Audi Q5 insurance quotes, chances are good that you have found an insurance agent that is a good match to adequately provide insurance.