Coated article with low-E coating having low visible transmission

A coated article including a coating supported by a glass substrate, the coating comprising:

• first and second infrared (IR) reflecting layers comprising silver, the first IR reflecting layer being located closer to the glass substrate than is the second IR reflecting layer;
• a first contact layer comprising NiCr located over and directly contacting the first IR reflecting layer comprising silver;
• a dielectric layer comprising silicon nitride located over and directly contacting the first contact layer comprising NiCr;
• wherein the dielectric layer comprising silicon nitride is split by a nonabsorbing splitting dielectric layer comprising zirconium oxide ZrO2, so that the splitting dielectric layer comprising zirconium oxide ZrO2 is located between and contacting a first portion of the dielectric layer comprising silicon nitride and a second portion of the dielectric layer comprising silicon nitride;
• a second contact layer comprising NiCr located over and directly contacting the layer comprising silicon nitride;
• the second IR reflecting layer comprising silver located over and directly contacting the second contact layer comprising NiCr;
• a third contact layer comprising NiCr located over and directly contacting the second IR reflecting layer;
• and
• another dielectric layer comprising silicon nitride located over and directly contacting the third contact layer comprising NiCr.