2004 Volkswagen Golf Car Insurance Quotes – 8 Ways to Save

Are you regretting the purchase of high-priced insurance? You’re preaching to the choir because there are many drivers thinking the same thing. Insurance companies such as State Farm, GEICO and Farmers Insurance all promote huge savings with ads and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

If you have a policy now or are just looking to switch companies, you can use these techniques to find the best rates and possibly find even better coverage. Finding the best rates is not rocket science. Drivers only need to know the best way to get comparison quotes on the web.

Auto insurance policy discounts

Some companies don’t list the entire discount list very well, so the following list contains a few of the more well known and the more hidden discounts that may be available.

  • Accident Waiver – This one is not really a discount per se, but companies like Allstate and GEICO may permit one accident without the usual rate increase if your claims history is clear prior to being involved in the accident.
  • Driver Safety – Taking time to complete a defensive driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • New Vehicle Savings – Buying a new car instead of a used car can get you a discount due to better safety requirements for new vehicles.
  • Seat Belt Discounts – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Home Ownership Discount – Owning a house can help you save on auto insurance because owning a home means you have a higher level of financial diligence.
  • Switch and Save Discount – A few insurance companies allow discounts for signing up before your current expiration date. It could save around 10% when you buy car insurance online.
  • ABS Brakes – Cars that have anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Even though the math looks like you could get a free auto insurance policy, insurance companies wouldn’t stay in business. But any discount will help reduce your overall premium however.

Some of the larger companies that may offer policyholders some of the discounts shown above include:

If you want affordable car insurance quotes, ask each insurance company which discounts can lower your rates. All car insurance discounts might not be offered in your area. To choose providers offering auto insurance discounts, click here to view.

Be skeptical of insurance coverage ads

Consumers constantly see and hear ads that claim the cheapest prices from the likes of Allstate, GEICO and Progressive. All the ads advertise claims that you’ll save big if you get a free car insurance quote and switch to them.

How can each company sell you cheaper insurance coverage? This is how they do it.

All the different companies have underwriting criteria for the type of customer that will generate a profit. A good example of a preferred risk should be married and over the age of 30, has few claims, and drives newer vehicles. Any person who matches that profile will probably get the lowest rates and will most likely save some money.

Potential insureds who cannot meet the requirements must pay a higher premium which translates to the customer buying from a different company. If you pay close attention to the ads, they say “people who switch” but not “everyone who gets a quote” will save that much if they switch. That is how companies can truthfully make those claims.

Because of this risk profiling, it is so important to get car insurance quotes from several different companies. Because without a comparison, you cannot know which insurance coverage company will be your best fit.

How do I know if I need professional advice?

When it comes to buying coverage, there is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • Do I pay less for low miles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why am I required to buy liability insurance?
  • Can I still get insurance after a DUI?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I rate my 2004 Volkswagen Golf as pleasure use or commute?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance specifics

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen Golf.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Collision coverage – Collision insurance will pay to fix damage to your Golf from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, rolling your car, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, rock chips in glass and damage from flooding. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like funeral costs, X-ray expenses and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Liability coverage – This can cover injuries or damage you cause to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, attorney fees, medical services and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

The best insurance company isn’t always the cheapest

Cheaper insurance is attainable online as well as from insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance providers may not have the ability to get quotes online and most of the time these smaller providers work with local independent agencies.

You just learned a lot of ways to compare 2004 Volkswagen Golf insurance car insurance rates online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from some of the lesser-known companies. These companies may only write in your state and offer lower premium rates as compared to the big name companies such as Progressive and GEICO.

Additional information