Compare Audi A3 Insurance Quotes in Newark

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Insurance rates Audi A3 in NewarkWould you like an easy way to compare low-cost car insurance rates in Newark, NJ? Newark buyers have many options when searching for affordable Audi A3 insurance. They can either waste time driving around getting price quotes or utilize the internet to compare rates.

There are more efficient ways to find car insurance online so we're going to tell you the absolute fastest way to quote coverages on a Audi and obtain the best price possible from both online companies and Newark agents.

It's an obvious statement that car insurance companies don't want you to compare rates. Consumers who perform rate comparisons are very likely to switch companies because of the high probability of finding a lower-priced policy. A recent survey revealed that consumers who routinely compared rates saved an average of $3,500 over four years as compared to drivers who never shopped around for cheaper prices.

If finding the lowest rates on insurance is your ultimate objective, learning how to shop for coverage rates can make it easier for you to save money.

The fastest way that we advise to compare car insurance company rates for Audi A3 insurance in Newark takes advantage of the fact most insurance companies actually pay money for the chance to compare their rates. All you need to do is provide information like driver ages, how much coverage you want, the type of vehicles you drive, and how much education you have. Your rating data is then submitted to many of the top insurers and you receive quotes quickly.

To find the cheapest Audi A3 insurance rates, click here and complete the quick form.

The companies shown below provide price comparisons in New Jersey. If you want to find the cheapest auto insurance in New Jersey, we recommend you click on several of them to get the best price comparison.

Audi A3 insurance statistics and information

The premium table shown below showcases different insurance rates for Audi A3 models. Having a better understanding of how rates are established is important for you to make informed decisions when comparing rate quotes.

Audi A3 Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $406 $1012 $582 $34 $174 $2,208 $184
A3 2.0T Premium Plus Package $406 $1012 $582 $34 $174 $2,208 $184
A3 2.0T Quattro $458 $1012 $582 $34 $174 $2,260 $188
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can change premium rates noticeably.

Can higher deductibles save money?

One of the most common auto insurance questions is where to set your physical damage deductibles. The figures shown below summarize the difference in cost when you buy lower versus higher deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Audi A3 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $372 $738 $480 $28 $144 $1,787 $149
A3 2.0T Premium Plus Package $372 $738 $480 $28 $144 $1,787 $149
A3 2.0T Quattro $420 $738 $480 $28 $144 $1,835 $153
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Audi A3 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A3 2.0T Premium Package $302 $594 $480 $28 $144 $1,548 $129
A3 2.0T Premium Plus Package $302 $594 $480 $28 $144 $1,548 $129
A3 2.0T Quattro $340 $594 $480 $28 $144 $1,586 $132
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in specific garaging location which can alter rates significantly.

We can derive from the above data that using a $250 deductible will cost you about $20 more each month or $240 a year than quoting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 13 months between claim filings, you would probably come out ahead by going with a higher deductible.

The illustration below highlights how deductible selection and can affect Audi A3 yearly insurance costs for different age groups. The information is based on a single female driver, full physical damage coverage, and no other discounts are factored in.

Poor driving habits will raise your auto insurance rates

The illustration below demonstrates how speeding tickets and fender-benders raise Audi A3 annual premium costs for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Why you need to buy insurance

Despite the fact that insurance is not cheap in Newark, insurance serves several important purposes.

  • Most states have minimum liability requirements which means the state requires a specific minimum amount of liability coverage in order to license the vehicle. 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 have a lien on your vehicle, almost all lenders will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender will be forced to insure your Audi for a lot more money and force you to pay much more than you were paying before.
  • Insurance safeguards both your Audi A3 and your personal assets. Insurance will also pay for medical bills for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense 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 all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance definitely exceed the cost, especially for larger claims. According to a recent study, the average American driver is overpaying over $869 every year so shop around every year to save money.

Specific coverage details

Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against other people's claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 15/30/5 which means a $15,000 limit per person for injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, medical expenses, funeral expenses, attorney fees and medical services. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible. New Jersey state minimum liability requirements are 15/30/5 but it's recommended drivers buy better liability coverage.

The illustration below demonstrates why low liability limits may not be enough.

Collision coverage protection

Collision coverage covers damage to your A3 resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your A3 to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Due to the fact that many New Jersey drivers have only the minimum liability required by law (15/30/5 in New Jersey), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like chiropractic care, EMT expenses and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, rock chips in glass and vandalism. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Newark car insurance company ratings

Selecting the top auto insurance provider can be difficult considering how many choices you have in Newark. The company ratings shown next can help you pick which auto insurers to look at when shopping your coverage around.

Best Car Insurance Companies in Newark
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Don't give up on cheap premiums

Some insurance providers may not have the ability to get a quote online and most of the time these small, regional companies only sell through local independent agencies. Cost effective Audi A3 insurance can be purchased on the web and from local agencies, and you should compare price quotes from both to have the best selection.

Drivers leave their current company for many reasons like not issuing a premium refund, extreme rates for teen drivers, high rates after DUI convictions or even lack of trust in their agent. It doesn't matter why you want to switch choosing a new insurance company is actually quite simple.

When shopping online for car insurance, make sure you don't buy poor coverage just to save money. In many cases, an insured dropped comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

How to save money on Audi A3 insurance in Newark

The recommended way to save on car insurance rates is to begin comparing prices regularly from companies who can sell car insurance in Newark.

  1. Try to learn a little about how insurance works and the steps you can take to prevent expensive coverage. Many factors that cause high rates like your driving record and a negative credit score can be amended by being financially responsible and driving safely.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while agents who are independent can quote rates for a wide range of companies.
  3. Compare the price quotes to your existing coverage to see if a cheaper rate is available. If you find a lower rate, make sure there is no lapse in coverage.
  4. Notify your current company of your intention to cancel your current coverage. Submit a down payment along with a signed application to the new insurer. Make sure you keep your new proof of insurance certificate in an easily accessible location in your vehicle.

One important bit of advice is to compare identical limits and deductibles on every price quote and and to compare as many car insurance companies as possible. Doing this provides a level playing field and many rates to choose from.

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