The recommended way to get cheaper car insurance rates in Jersey City is to compare prices annually from different companies who provide auto insurance in New Jersey. You can shop around by following these guidelines.
Step 1: Read and learn about how companies set rates and the things you can change to drop your rates. Many policy risk factors that cause rate increases such as high-risk driving behaviors and a less-than-favorable credit rating can be eliminated by paying attention to minor details.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide rate quotes for many different companies.
Step 3: Compare the new rates to your existing rates and see if there is a cheaper rate. If you can save some money, make sure there is no lapse in coverage.
The key thing to remember is to use the same coverage limits and deductibles on each price quote and and to get price quotes from as many companies as you can. Doing this ensures a level playing field and and a good selection of different prices.
It’s an obvious assumption that car insurance companies don’t want policyholders to compare prices from other companies. Consumers who compare other prices will, in all likelihood, buy a new policy because they have good chances of finding a lower-priced company. A survey found that drivers who routinely compared quotes saved over $860 a year as compared to drivers who never compared prices.
If finding the cheapest price on Audi A6 insurance is why you’re here, understanding how to quote and compare insurance coverage can help you be more efficient.
Comparing rates for the lowest-priced car insurance in Jersey City is not that difficult. If you are already insured or just want a better rate, use these tips to buy cheaper car insurance without having to cut coverage. Comparison shoppers just need to know the fastest way to shop online.
Compare Jersey City Audi A6 insurance rate quotes online
Finding a lower price on insurance is not rocket science. All that’s required is to spend a little time getting comparison quotes from online providers.
The companies shown below have been selected to offer quotes in Jersey City, NJ. If your goal is to find the best cheap auto insurance in New Jersey, we recommend you compare several of them in order to find the most competitive rates.
Lower rates by qualifying for these nine discounts
Some providers don’t necessarily list every discount they offer in a way that’s easy to find, so the list below contains both the well known and the harder-to-find credits available to you.
- Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you could save 5% or more.
- Student in College – Any of your kids who live away from home to go to college and don’t have a car may qualify for this discount.
- Own a Home – Owning a house in Jersey City can save a few bucks because maintaining a house requires a higher level of personal finance.
- Defensive Driver Discounts – Completing a course in safe driver could cut 5% off your bill depending on where you live.
- Savings for New Vehicles – Buying a new car model can save you some money because newer vehicles have to meet stringent safety requirements.
- Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower auto insurance rates due to less chance of an accident.
- Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can reduce accidents and earn discounts up to 10%.
- Include Life Insurance and Save – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
- Discounts for Cautious Drivers – Accident-free drivers may save up to 50% more than drivers with accidents.
A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, it’s just not the way it works. But all discounts will positively reduce your premiums.
The chart below shows the difference between Audi A6 insurance prices with and without discounts applied to the policy rates. The data is based on a female driver, no accidents, no driving violations, New Jersey state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, homeowner, and multi-car discounts applied.
If you would like to see a list of insurance companies with the best Audi A6 insurance discounts in Jersey City in Jersey City, click this link.
Rates and statistics
The premium information below showcases different insurance rates for Audi A6 models. Learning as much as possible about how rates are established can be valuable when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $244 | $502 | $452 | $26 | $136 | $1,360 | $113 |
| A6 3.2 Premium Plus 4-Dr Sedan | $244 | $502 | $452 | $26 | $136 | $1,360 | $113 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $244 | $502 | $452 | $26 | $136 | $1,360 | $113 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $244 | $502 | $452 | $26 | $136 | $1,360 | $113 |
| A6 3.0 Quattro Premium Station Wagon | $244 | $502 | $384 | $22 | $114 | $1,266 | $106 |
| A6 3.0 Quattro Premium Plus Station Wagon | $244 | $502 | $384 | $22 | $114 | $1,266 | $106 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $244 | $502 | $452 | $26 | $136 | $1,360 | $113 |
| A6 3.0 Quattro Prestige Station Wagon | $244 | $502 | $384 | $22 | $114 | $1,266 | $106 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $268 | $560 | $452 | $26 | $136 | $1,442 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in specific location information which can increase or decrease rates noticeably.
Higher deductibles save money
One of the hardest decisions when shopping for insurance is which deductible level should you buy. The data tables below can help show the premium difference between high and low deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $514 | $960 | $480 | $28 | $144 | $2,151 | $179 |
| A6 3.2 Premium Plus 4-Dr Sedan | $514 | $960 | $480 | $28 | $144 | $2,151 | $179 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $514 | $960 | $480 | $28 | $144 | $2,151 | $179 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $514 | $960 | $480 | $28 | $144 | $2,151 | $179 |
| A6 3.0 Quattro Premium Station Wagon | $514 | $960 | $408 | $24 | $122 | $2,053 | $171 |
| A6 3.0 Quattro Premium Plus Station Wagon | $514 | $960 | $408 | $24 | $122 | $2,053 | $171 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $514 | $960 | $480 | $28 | $144 | $2,151 | $179 |
| A6 3.0 Quattro Prestige Station Wagon | $514 | $960 | $408 | $24 | $122 | $2,053 | $171 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $562 | $1072 | $480 | $28 | $144 | $2,311 | $193 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $418 | $774 | $480 | $28 | $144 | $1,844 | $154 |
| A6 3.2 Premium Plus 4-Dr Sedan | $418 | $774 | $480 | $28 | $144 | $1,844 | $154 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $418 | $774 | $480 | $28 | $144 | $1,844 | $154 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $418 | $774 | $480 | $28 | $144 | $1,844 | $154 |
| A6 3.0 Quattro Premium Station Wagon | $418 | $774 | $408 | $24 | $122 | $1,746 | $146 |
| A6 3.0 Quattro Premium Plus Station Wagon | $418 | $774 | $408 | $24 | $122 | $1,746 | $146 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $418 | $774 | $480 | $28 | $144 | $1,844 | $154 |
| A6 3.0 Quattro Prestige Station Wagon | $418 | $774 | $408 | $24 | $122 | $1,746 | $146 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $458 | $864 | $480 | $28 | $144 | $1,974 | $165 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in Jersey City location which can impact price quotes considerably.
We can derive from the above data that using a $250 deductible will cost you about $25 more each month or $300 each year averaged for all A6 models than selecting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 10 months between claim filings, you would come out ahead if you elect the higher deductible.
Are car insurance agents used anymore?
Many people just want to have an agent’s advice and doing that can be a smart decision Agents can help you build your policy and help you file claims. An additional benefit of getting free rate quotes online is that you can obtain the lowest rates and still buy from a local agent. Buying from and supporting neighborhood insurance agencies is definitely important in Jersey City.
To find an agent, once you fill out this quick form, your insurance data is transmitted to participating agents in Jersey City that can give you free Jersey City auto insurance quotes for your auto insurance coverage. You don’t have to visit any agencies as quotes are delivered to your email. If for some reason you want to get a comparison quote from a specific company, you can always find their quoting web page and fill out the quote form the provide.
Shown below are agents in Jersey City that can give you price quote information for Audi A6 insurance in Jersey City.
- AMC Insurance Inc
958 Summit Ave – Jersey City, NJ 07307 – (201) 656-1200 – View Map - Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290 – View Map - AllState Agent
07305, 701 NJ-440 – Jersey City, NJ 07304 – (201) 515-3499 – View Map - Joe Nachbaur – State Farm Insurance Agent
505 Central Ave – Jersey City, NJ 07307 – (201) 222-8866 – View Map
Choosing an company requires more thought than just the price. Ask your prospective agent these questions:
- Does the quote include credit and driving reports?
- How are they compensated?
- Is the agency involved in supporting local community causes?
- Are aftermarket or OEM parts used to repair vehicles?
- Is auto insurance their primary focus in Jersey City?
- Are they able to provide referrals?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Your situation helps dictate your coverage
When choosing the best insurance coverage, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply.
For example, these questions might help in determining whether you will benefit from professional help.
- When should I remove comp and collision on my Audi A6?
- Should I rate my vehicle as business use?
- Am I covered when driving on a suspended license?
- Is my teen driver covered when they drive my company car?
- Is coverage enough to protect my assets?
- When should I have rental car coverage?
- How can I find cheaper teen driver insurance?
- Is my dog or cat covered if injured in an accident?
If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
New Jersey auto insurance companies ranked
Finding the highest-rated company is hard considering how many different insurance companies sell coverage in Jersey City. The company rank data below may help you pick which auto insurance companies you want to consider shopping prices with.
Top 10 Jersey City Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- Progressive
- GEICO
- USAA
- State Farm
- Travelers
- Farmers Insurance
- Allstate
Top 10 Jersey City Car Insurance Companies Ranked by Customer Satisfaction
- The Hartford – 93%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Mercury Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
- AAA Insurance – 86%
- American Family – 85%
Insurance coverage breakdown
Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.
Medical costs insurance
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, doctor visits and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision
This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like vandalism, a broken windshield, hail damage, theft and rock chips in glass. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision insurance
This covers damage to your A6 resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims like rolling your car, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible on your A6 to save money on collision insurance.
Liability insurance
This can cover damages or injuries you inflict on other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 15/30/5 that translate to a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for things such as repair costs for stationary objects, medical services, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible. New Jersey requires drivers to carry at least 15/30/5 but you should consider buying better liability coverage.
The chart below demonstrates why the minimum limit may not provide you with enough coverage.
UM/UIM Coverage
This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A6.
Due to the fact that many New Jersey drivers only purchase the least amount of liability that is required (15/30/5 in New Jersey), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are set the same as your liability limits.
Cheap insurance premiums are out there
Cheaper Audi A6 insurance in Jersey City is possible both online in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not offer rate quotes online and most of the time these regional insurance providers only sell through independent agencies.
As you restructure your insurance plan, you should never reduce coverage to reduce premium. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at an affordable rate.
To read more, take a look at the resources below:
- Older Drivers FAQ (iihs.org)
- Who Has Affordable Auto Insurance Quotes for Drivers Over Age 70 in Jersey City? (FAQ)
- What Auto Insurance is Cheapest for a Honda Accord in Jersey City? (FAQ)
- How Much are Jersey City Auto Insurance Quotes for Drivers Over Age 50? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)