2004 Volkswagen Golf Car Insurance Quotes – 8 Savings Tips

Searching for cheaper insurance rates for your Volkswagen Golf? If you are a novice to online insurance shopping, you may be overwhelmed by the large number of online companies offering insurance.

Lower rate quotes with these eight discounts

Auto insurance is expensive, but companies offer discounts that many consumers don’t even know exist. Some discounts will apply when you complete an application, but a few must be specifically requested before they will apply. If you’re not getting every credit available, you are not getting the best rate possible.

  • Early Switch Discount – Some auto insurance companies reward drivers for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Resident Student – College-age children who live away from home at college and do not take a car to college may be able to be covered for less.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
  • Full Payment Discount – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Accident Free – Claim-free drivers pay much less in comparison to policyholders that have many claims.
  • E-sign Discounts – A few larger online companies give back up to $50 simply for signing online.
  • Homeowners Savings – Simply owning a home may trigger a policy discount on auto insurance because owning a home is proof that your finances are in order.
  • Military Discounts – Being on active deployment in the military can result in better auto insurance rates.

We need to note that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will lower your policy premium.

A list of auto insurance companies and their offered discounts are outlined below.

  • Geico may include discounts for five-year accident-free, defensive driver, good student, federal employee, seat belt use, and emergency military deployment.
  • MetLife discounts include accident-free, multi-policy, good student, good driver, and claim-free.
  • Progressive has discounts for online quote discount, multi-policy, homeowner, continuous coverage, online signing, multi-vehicle, and good student.
  • Travelers has savings for continuous insurance, hybrid/electric vehicle, driver training, early quote, and IntelliDrive.
  • SAFECO may have discounts that include multi-car, accident prevention training, teen safe driver, anti-theft, bundle discounts, and anti-lock brakes.
  • AAA offers discounts including AAA membership discount, pay-in-full, education and occupation, anti-theft, good student, and multi-policy.

If you need cheap insurance quotes, ask all the companies how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your area.

Where can I get affordable car insurance?

Comparing car insurance rates can be a daunting task if you don’t utilize the fastest way to get free quotes. You could waste time talking about coverages with local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Most of the best insurance companies enroll in a system where prospective buyers submit their information once, and each participating company can provide price quotes determined by their information. This eliminates the need for quotation requests to every company.

To access this free quoting program, click here (opens in new window).

The one downside to using this type of form is buyers cannot specifically choose which companies to get pricing from. So if you prefer to pick individual companies to receive pricing from, we put together a list of car insurance companies in your area. Click to view list.

However you get your quotes, make darn sure you compare nearly identical deductibles and coverage limits for every quote you compare. If you compare different deductibles you will not be able to get a fair rate comparison. Just a small difference in coverages may result in large price differences. And when comparison shopping, having more price comparisons will enable you to find more affordable rates.

What is the best auto insurance coverage?

When it comes to buying the best auto insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

For instance, these questions could help you determine whether or not you could use an agent’s help.

  • Is my teenager covered with friends in the car?
  • What discounts do I qualify for?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my trailer covered?
  • Should I rate my 2004 Volkswagen Golf as pleasure use or commute?
  • Do I need PIP coverage since I have good health insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does coverage extend to my business vehicle?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

The ad said I’d save $405 a year!

Companies like Allstate, Geico and Progressive constantly bombard you with ads on television and other media. All the companies try to convey promises that drivers will save a bundle just by moving to their company. How does every car insurance company offer drivers better rates?

Most companies have specific criteria for the type of driver that will not have excessive claims. A good example of a profitable customer might have to be over age 30, has never had a policy lapse, and drives a car with an anti-theft system. Anyone that matches those criteria will probably get the lowest prices and is almost guaranteed to cut their rates substantially.

Consumers who don’t measure up to these standards may be forced to pay more expensive rates which translates to the customer buying from someone else. The ads state “people that switch” not “everybody who quotes” will save that much if they switch. That’s why insurance companies can make those claims. This really emphasizes why it’s extremely important to compare free insurance quotes often. It’s just too difficult to predict which insurance companies will fit you best based on your risk profile.

Car insurance coverage options for a 2004 Volkswagen Golf

Knowing the specifics of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like pain medications, chiropractic care, X-ray expenses and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as loss of income, legal defense fees, medical services, emergency aid and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, damage from a tornado or hurricane, theft, a broken windshield and hitting a deer. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

This coverage covers damage to your Golf resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Volkswagen Golf.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Smart consumers save more

Lower-priced car insurance is possible from both online companies in addition to many insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance providers do not offer rates over the internet and most of the time these smaller companies prefer to sell through local independent agents.

We just covered many tips how you can reduce 2004 Volkswagen Golf insurance rates online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your auto insurance rates. You may be surprised to find that the lowest rates are with the least-expected company.

When you buy insurance online, don’t be tempted to reduce needed coverages to save money. There are too many instances where an insured cut liability limits or collision coverage and learned later that it was a big mistake. Your aim should be to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

Additional information can be read at the links below