Lower Your 2004 Volkswagen Golf Insurance Rates

Looking for cheaper car insurance rates for your Volkswagen Golf? Shopping online for car insurance might seem complicated at first if you are a beginner to online quotes. Don’t let that stop you because we’re going to show you how.

Volkswagen Golf premiums are determined by many factors

An important part of buying insurance is that you know the factors that help determine the rates you pay for insurance coverage. Understanding what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

The following are a few of the “ingredients” companies use to determine your rates.

  • Safer cars cost less to insure – Safer cars are cheaper to insure. These vehicles reduce injuries and lower injury rates translates into savings for insurance companies and thus lower rates. If the Volkswagen Golf has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Protect your assets with liability insurance – Liability coverage is the coverage that protects you if a jury decides you are liable for personal injury or accident damage. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Men pay higher rates – Statistics have proven that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. They both cause accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.
  • With age comes lower rates – Older drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers are statistically proven to be less responsible behind the wheel and because of this, their insurance coverage rates are much higher.
  • Save money with special equipment – Driving a car with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • Do you need the policy add-ons? – There are a ton of extra coverages that can waste your money if you aren’t careful. Things like roadside assistance, accident forgiveness and motor club memberships may be wasting your money. These coverages may sound good initially, but if you don’t need them remove them from your policy.
  • Small claims can cost you – Car insurance companies generally give discounts to insureds who do not file claims often. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance is designed for major claims that would cause financial hardship.
  • Marriage pays dividends – Having a spouse can actually save you money when buying insurance coverage. Marriage means you’re more mature than a single person and it’s statistically proven that drivers who are married are more cautious.

How to Compare Car Insurance Costs

There are a variety of methods you can shop for 2004 Volkswagen Golf car insurance and some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with agents in your area, or you could use the web to get pricing more quickly.

Many companies belong to a marketplace where prospective buyers send in one quote, and at least one company can give them a price for coverage. This prevents consumers from doing quotation requests for each company you want a rate for.

To participate in this free quote system, click here (opens in new window).

One minor caviat to comparing rates this way is you cannot specify the companies to receive prices from. If you would rather choose specific providers to receive pricing from, we have a listing of car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using the exact same coverage limits with each company. If each company quotes unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Volkswagen Golf. Slightly different coverages may cause a big price difference. Just remember that getting more free quotes will improve the odds of getting the best rates.

Be sure to get all your discounts

Car insurance companies don’t necessarily list every available discount very clearly, so we break down some of the best known and the harder-to-find discounts you could be receiving.

  • Good Students Pay Less – This discount can save 20 to 25%. The discount lasts up to age 25.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Golf insurance than drivers with accident claims.
  • Organization Discounts – Belonging to certain professional organizations could qualify you for a break on auto insurance on Golf insurance.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

It’s important to understand that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Car insurance companies that may offer these money-saving discounts include:

Double check with every prospective company how you can save money. All car insurance discounts may not be available everywhere.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage, there really is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • Does insurance cover tools stolen from my truck?
  • Should I waive the damage coverage when renting a car?
  • Are all vehicle passengers covered by medical payments coverage?
  • When do I need to add a new car to my policy?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverage specifics

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability

This will cover damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like court costs, legal defense fees, medical expenses, structural damage and emergency aid. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism and falling objects. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Golf.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as funeral costs, prosthetic devices and pain medications. They are often 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 also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Save your cold hard cash

People change insurance companies for a number of reasons such as denial of a claim, questionable increases in premium, unfair underwriting practices or even an unsatisfactory settlement offer. No matter why you want to switch, finding a new company can be pretty painless.

Discount 2004 Volkswagen Golf insurance is available on the web in addition to many insurance agents, so compare prices from both to have the best rate selection. Some car insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

You just learned a lot of tips how to save on insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from a small local company.

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