The best way to get affordable auto insurance rates in Newark is to do an annual price comparison from companies who sell auto insurance in New Jersey. You can compare prices by completing these steps.
- Step 1: Try to learn about the coverage provided by your policy and the steps you can take to prevent rate increases. Many things that cause high rates such as traffic tickets, fender benders, and a negative credit rating can be amended by making minor changes to your lifestyle. Keep reading for more ideas to help prevent costly coverage and get additional discounts that may be available.
- Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from one company like GEICO and State Farm, while independent agents can quote prices for a wide range of insurance providers. View a list of agents
- Step 3: Compare the new quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate quote and buy the policy, verify that coverage does not lapse between policies.
An important part of this process is to try to compare the same liability limits and deductibles on every price quote and and to get quotes from as many companies as possible. Doing this helps ensure a fair rate comparison and a complete rate analysis.
Inconceivable but true, a large majority of drivers in New Jersey have bought auto insurance from the same company for over three years, and nearly half have never even shopped around for affordable coverage. Drivers in the U.S. could save almost 46.5% every year, but most undervalue the amount of savings they would get if they switch to a new company.
The most recommended method to compare car insurance rates for Audi A6 insurance in Newark is to take advantage of the fact most of the larger companies participate in a system to provide you with a free rate quote. To get started, all you need to do is spend a couple of minutes providing details including the ages of drivers, whether the vehicles are used for commuting, if you require a SR-22, and how much coverage you want. The data is sent automatically to multiple top-rated companies and you should receive rate quotes with very little delay.
If you wish to get multiple quotes for your Audi A6 now, click here and find out if lower rates are available in Newark.
The companies shown below provide free quotes in New Jersey. To get cheaper car insurance in New Jersey, we recommend you visit as many as you can to get the best price comparison.
Slash your car insurance rates with discounts
Some insurance providers don’t necessarily list all available discounts in an easy-to-find place, so the following list contains some of the more common as well as some of the hidden credits available to you. If you check and find you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.
- Senior Citizens – Drivers over the age of 55 are able to get a slight reduction on a Newark auto insurance quote.
- Bundle and Save – If you can bundle your homeowners and auto insurance with the same company they may give you a discount of as much as 10 to 15 percent.
- Drive Safe and Save – Insureds without accidents can pay as much as 50% less than drivers with accidents.
- Organization Discounts – Participating in specific professional or occupational memberships or organizations may earn a discount on your next car insurance statement.
- College Student – Youth drivers who live away from home at college and won’t have access to an insured vehicle could get you a discount.
- Discount for Home Ownership – Just being a homeowner can save a few bucks since owning and maintaining a home is proof that your finances are in order.
- Multiple Vehicles – Drivers who insure several vehicles on one policy can get a discount on all vehicles.
As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free car insurance policy, it just doesn’t work that way.
The illustration below shows the difference between Audi A6 car insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no accidents or driving violations, New Jersey state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, safe-driver, multi-policy, and homeowner discounts applied.
A list of car insurance companies and some of their more popular discounts are:
- GEICO offers discounts including membership and employees, anti-lock brakes, air bags, federal employee, and five-year accident-free.
- USAA discounts include loyalty savings, driver training, military installation, multi-vehicle, multi-policy, and safe driver.
- Progressive may offer discounts for online quote discount, multi-policy, homeowner, continuous coverage, multi-vehicle, and online signing.
- American Family policyholders can earn discounts including multi-vehicle, TimeAway discount, defensive driver, good driver, accident-free, early bird, and Steer into Savings.
- Esurance has discounts for homeowner, paid-in-full, anti-theft, renters, and defensive driver.
- Farmers Insurance offers discounts for alternative fuel, good student, pay in full, mature driver, business and professional, bundle discounts, and electronic funds transfer.
- State Farm may have discounts that include good driver, accident-free, good student, anti-theft, and safe vehicle.
Before buying, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your area. If you would like to see a list of insurance companies who offer car insurance discounts in New Jersey, click this link.
Audi A6 insurance statistics and information
The table shown next outlines different insurance rates for Audi A6 models. Being more informed about how insurance premiums are established is important for drivers to make informed decisions when shopping around for a new policy.
| 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 | |||||||
Prices above 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 multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can lower or raise coverage prices significantly.
Physical damage deductible comparison
One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The figures shown below may help to conceptualize how much more you’ll pay between low and high policy deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price table 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 | |||||||
Premium 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, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific zip code location which can modify auto insurance rates substantially.
We can derive from the above data that using a $250 deductible costs approximately $25 more each month or $300 every year than quoting the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 10 months between claims, you would save money if you opt for a higher deductible.
Insurance rate increases from tickets or accidents
The illustration below highlights how traffic violations and accidents impact Audi A6 car insurance costs for different age categories. The prices are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
Audi A6 insurance rates: Men versus women
The chart below shows the difference between Audi A6 annual premium costs for male and female drivers. The rates are based on no claims or violations, comp and collision included, $500 deductibles, single marital status, and no discounts are applied.
Local neighborhood agents and auto insurance
Certain consumers still prefer to talk to a local agent and that is a personal choice. Agents are highly skilled in risk management and help you file claims. One of the great benefits of comparing rates online is the fact that you can find cheap auto insurance quotes and still have a local agent. Buying from and supporting local insurance agents is especially important in Newark.
To find an agent, once you fill out this form (opens in new window), the quote information is immediately sent to companies in Newark who will gladly provide quotes and help you find cheaper coverage. You won’t even need to visit any agencies since rate quotes are delivered directly to your email. In the event you want to quote rates from a specific company, just jump over to their website and fill out the quote form the provide.
When finding local Newark agents, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Newark agents may be either independent (non-exclusive) or exclusive. Both can sell affordable auto insurance policies, but it is important to understand the difference in how they write coverage because it can impact your agent selection.
Independent Auto Insurance Agents
Agents that choose to be independent are not required to write business for one company so they can insure your vehicles with a variety of different insurance companies and find you the best rates. To transfer your coverage to a different company, they simply switch companies in-house and you can keep the same agent.
When comparing rates, you will definitely want to get rate quotes from several independent insurance agents for maximum quote selection. They often place coverage with companies you’ve never heard of that can offer cheaper rates than bigger companies.
Featured below is a list of independent agents in Newark that can possibly get you comparison quotes.
- Morais Insurance Agency, Inc.
217 Ferry St – Newark, NJ 07105 – (973) 344-2000 – View Map - Rosa, Michael Rosa Agency INC
360 Lafayette St – Newark, NJ 07105 – (973) 589-7550 – View Map - Goker and Associates Insurance Agency
121 Elizabeth Ave #101 – Newark, NJ 07108 – (908) 344-7577 – View Map
Exclusive Agencies
Exclusive agents write business for a single company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. They are well schooled in insurance sales which helps them sell on service rather than price. Some consumers prefer to use the same agent partially due to the brand name and strong financial ratings.
The following is a short list of exclusive agencies in Newark that are able to give comparison quotes.
- Farmers Insurance: Anthony Pugliese
217 Chestnut St – Newark, NJ 07105 – (973) 536-2060 – View Map - Farmers Insurance – Christine Veliz
229 Bloomfield Ave – Newark, NJ 07104 – (973) 482-1975 – View Map - Farmers Insurance – Anthony Pugliese
41 Wilson Ave – Newark, NJ 07105 – (973) 732-2105 – View Map
Deciding on a insurance agency requires more thought than just a cheap price. Some important questions to ask are:
- How much will you save each year by using a higher deductible?
- Do they prorate repair cost based on vehicle mileage?
- Do they get paid more for recommending certain coverages?
- How long has their agency been open in Newark?
- Does the agent help file claims?
- Do you qualify for any additional discounts?
- Can you use your own choice of collision repair facility?
- Are they able to influence company decisions when a claim is filed?
How Insurance Providers Calculate Audi A6 Insurance Prices
It’s important that you understand some of the things that play a part in calculating your premiums. If you understand what influences your rates, this allows you to make good choices that may result in lower rates. Many things are taken into consideration when quoting car insurance. Some are pretty understandable like an MVR report, but some are less apparent like where you live or your commute time.
Shown below are some of the major factors companies use to determine prices.
- Save mileage and save money – The higher the mileage driven every year the higher your rates will be. Almost all companies rate vehicles determined by how the vehicle is used. Vehicles left parked in the garage cost less to insure than those used for commuting. A policy that improperly rates your A6 may be costing you. Verify your declarations sheet correctly shows the correct usage for each vehicle, because improper ratings can cost you money.
- Higher deductibles are cheaper – Your deductibles define how much you are willing to pay out-of-pocket before your auto insurance pays a claim. Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered are rear-ending another vehicle, hail damage, and having a roll-over accident. The more of the claim you’re willing to pay, the less your auto insurance will be.
- Occupation impacts rates – Do you work in a high-stress field? Jobs such as fire fighters, police officers, and stock brokers generally have higher premium rates attributed to intense work requirements and extremely grueling work hours. Other jobs such as scientists, students and retirees pay lower than average rates.
- Deter theft and save – Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft and help bring rates down.
- Your spouse saves you money – Having a significant other can actually save you money on your auto insurance bill. Marriage may mean you are more mature and it’s proven that married drivers get in fewer accidents.
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Type of car, truck or SUV determines base rates – The make and model of the vehicle you own makes a big difference in how high your rates are. The lowest base rates tend to be for low performance passenger models, but there are many factors that impact the final cost.
The chart below is based on a married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. It illustrates Audi A6 insurance premiums compared to other makes and models that have a range of risk factors.
- Safer vehicles save money – Cars with five star safety ratings can get you lower premiums. These vehicles have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates.
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Claims statistics for an Audi A6 – Car insurance companies take into consideration historical loss data for every vehicle to calculate a rate that offsets possible losses. Models that the data shows to have a trend towards higher claims will have higher premium rates.
The next table shows the insurance loss data used by companies for Audi A6 vehicles. For each type of coverage, the loss probability for all vehicles as a whole equals 100. Numbers under 100 indicate better than average losses, while percentage values above 100 point to more losses or an increased chance of larger losses than average.
Insurance Loss Ratings for Audi A6 Vehicles Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi A6 4dr 2WD 146 112 134 Audi A6 4dr 4WD 153 70 155 53 55 59 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three reasons to insure your A6
Even though it’s not necessarily cheap to insure an Audi in Newark, insurance is mandatory in New Jersey but it also protects more than you think.
- Almost all states have mandatory insurance requirements which means the state requires specific limits of liability coverage if you don’t want to risk a ticket. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your A6, most banks will make it mandatory that you have comprehensive coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender may insure your Audi at an extremely high rate and require you to pay the higher premium.
- Insurance preserves your Audi and your assets. Insurance will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if someone files suit against you as the result of an accident. If your Audi gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance more than offset the price you pay, especially with large liability claims. The average driver in New Jersey is overpaying over $865 each year so you should quote rates at every policy renewal to ensure rates are competitive.
Auto insurance company ratings
Choosing the highest-rated auto insurance provider can be a challenge considering how many choices there are in New Jersey. The ranking data in the lists below could help you analyze which providers to look at purchasing coverage from.
Top 10 Newark Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- Progressive
- GEICO
- USAA
- State Farm
- Travelers
- Farmers Insurance
- Allstate
Do the work, save more money
Lower-priced auto insurance in Newark is possible from both online companies as well as from independent agents in Newark, so you need to quote Newark auto insurance with both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and most of the time these regional carriers only sell coverage through independent insurance agents.
Drivers leave their current company for any number of reasons including not issuing a premium refund, poor customer service, lack of trust in their agent or even delays in responding to claim requests. Regardless of your reason for switching companies, finding a new company can be pretty painless.
When you buy Newark auto insurance online, it’s very important that you do not reduce needed coverages to save money. There are too many instances where drivers have reduced liability limits or collision coverage only to regret that the savings was not a smart move. Your objective should be to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.
Helpful learning opportunities
- Teen Driving and Texting (State Farm)
- Who Has Cheap Car Insurance Quotes for Drivers Over Age 70 in Newark? (FAQ)
- How Much is Auto Insurance for a Honda CR-V in Newark? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Nissan Rogue in Newark? (FAQ)
- Who Has Cheap Auto Insurance Rates for High Risk Drivers in Newark? (FAQ)
- Child Safety FAQ (iihs.org)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)