Save on 2004 Volkswagen Golf Insurance Quotes

Searching for lower auto insurance rates for your Volkswagen Golf? Wish you could get a refund on high-priced auto insurance? Trust us when we tell you you’re not alone.

Big-name insurance companies like Geico, 21st Century and Progressive all claim big savings, bombarding you with ad campaigns and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

It’s a good habit to compare prices quite often because auto insurance rates are variable and change quite frequently. If you had the lowest rate for Golf insurance at your last renewal the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because you’re going to learn how to use online quotes to remove unneeded coverages and save money.

If you currently have a car insurance policy, you will most likely be able to save some money using this information. Choosing the best insurance company for you is quite easy. Although vehicle owners should learn how big insurance companies sell online because it can help you find the best coverage.

How to buy car insurance online

To get affordable auto insurance quotes, there a variety of ways of comparing rate quotes from all the different companies. The fastest way to lower the rate you pay for 2004 Volkswagen Golf insurance involves getting comparison quotes online. This can be done by using one of the methods below.

1. The most recommended method to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing separate quotation requests for each company you want a rate for. A single form gets coverage cost estimates from multiple low-cost companies.
2. A harder way to find lower rates requires you to visit the website for every company you want to comare and fill out a new quote form. For sake of this example, let’s assume you want to get rates from Farmers, Esurance and American Family. In order to compare rates, you need to go to every website and repeatedly enter your information, which explains why we recommend starting with the first method.

   For a list of links to insurance companies in your area, click here.

3. The least efficient and most time consuming method to compare price estimates is actually driving to each insurance agency near you. Comparing rate quotes online has made agencies unnecessary unless you require the peace of mind that only an agent can give. However, consumers can compare online quotes but buy from a local insurance agent.

The approach you take is up to you, just do your best to enter apples-to-apples coverage limits for each comparison quote. If you are comparing different values for each quote you can’t possibly decipher which rate is best. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when comparing car insurance rates, know that more quotes will improve the odds of getting more affordable rates. Not every company allows you to get rate quotes online, so it’s necessary to compare price estimates from those companies as well.

Switch companies and save? Really?

Insurance coverage companies such as Allstate and Progressive constantly bombard you with television, radio, and online ads. They all seem to seem to make the promise that people will save if you change your insurance coverage policy to them. How does every insurance coverage company make almost identical claims? Here is the trick they use.

Many companies have strict underwriting profiles for the type of driver that is profitable for them. A good example of a profitable customer may be between the ages of 30 and 45, has no prior claims, and drives a car with an anti-theft system. A customer getting a price quote who fits those characteristics will get the preferred premium rates and will also save when switching.

Potential insureds who may not quite match those standards will probably have to pay more expensive rates and this can result in the customer buying from someone else. The wording the ads use say “people that switch” but not “all drivers who get quotes” can save as much as they claim. This is how companies can truthfully advertise the way they do. Because every company is different, drivers should quote coverage with many companies. Because you cannot predict which insurance companies will have the lowest rate quotes.

Discounts can really help save money

Some insurers don’t always advertise all their discounts in an easy-to-find place, so here is a list some of the more common as well as some of the hidden savings tricks you should be using when you buy auto insurance online. If you’re not getting every credit possible, you’re paying more than you need to.

• Driver Training Discounts – Taking a safe driver course could earn you a small percentage discount and easily recoup the cost of the course.
• Include Life Insurance and Save – Insurance companies who offer life insurance give a discount if you purchase a life insurance policy as well.
• No Charge for an Accident – but some companies like State Farm and Progressive will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
• Bundled Policy Discount – If you can bundle your home and auto insurance with one company you could save at least 10% off all policies.
• Smart Student Discounts – Being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
• Resident Student – who live away from home to go to college and leave their car at home may be insured at a cheaper rate.

A quick disclaimer, most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.

To find companies that have a full spectrum of discounts, follow this link.

Will just any policy work for me?

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

• Why does it cost so much to insure a teen driver?
• When would I need additional glass coverage?
• What should my uninsured motorist coverage limits be in my state?
• Which is better, split liability limits or combined limits?
• Is my camper covered by my car insurance policy?
• Do I have coverage when using my vehicle for my home business?
• If I drive on a suspended license am I covered?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverages for a Volkswagen Golf

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, damage from getting keyed, theft, falling objects and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, funeral costs, rehabilitation expenses, pain medications and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto liability

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

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 values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as legal defense fees, structural damage, pain and suffering and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision coverage

This pays for damage to your Golf resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Saving money makes a lot of cents

Lower-priced 2004 Volkswagen Golf insurance is possible on the web and from local agencies, so get free auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who do not provide price quotes online and many times these regional carriers only sell coverage through independent agencies.

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.

Helpful learning opportunities

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Teen Driving and Texting (State Farm)