2004 Volkswagen Golf Car Insurance Rates

Looking for the cheapest car insurance rates for your Volkswagen Golf? Tired of scraping the payment together each month for car insurance? Your situation is no different than many other drivers.

Because you have many online and local companies to choose from, it’s nearly impossible to find the most affordable provider.

You should take the time to get comparison quotes once or twice a year since rates are adjusted regularly by insurance companies. Even if you think you had the best deal on Golf insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to find out the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

Finding the best rates is not that difficult. Essentially anyone who has to buy car insurance will most likely be able to lower their premiums. Although car owners can benefit by having an understanding of the way companies sell online because it can help you find the best coverage.

Car Insurance Quote Comparison

The are a couple different ways to compare rate quotes from different insurance companies. The best method to find the cheapest 2004 Volkswagen Golf insurance rates consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The most efficient way to get quotes is a comparison rater form like this one (opens in new window). This method prevents you from having to do multiple quote forms for every car insurance company. Just one form will get you price quotes from multiple companies.
  • A different way to shop for car insurance online is going to the website of each company to complete their respective quote request forms. For sake of this example, let’s assume you want comparison quotes from State Farm, Allstate and Liberty Mutual. To get each rate you have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The least recommended way of comparing rate quotes is to drive around to local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you require the professional advice that only a license agent can provide. Drivers can compare online quotes but still have the advice of a local agent. We’ll cover that shortly.

Whichever method you choose, ensure you are comparing identical coverage information for every quote you compare. If you have different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best. Quoting even small variations in coverage limits can make a big difference in price. Just keep in mind that getting more free quotes will enable you to find the best price.

Save big with these discounts

Companies offering auto insurance don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find both well-publicized and the more hidden ways to save on insurance coverage.

  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Own a Home – Owning a house can help you save on insurance coverage because of the fact that having a home demonstrates responsibility.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you will save up to 20% off your total premium.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on Golf insurance than less cautious drivers.

Drivers should understand that most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of insurers with the best insurance coverage discounts, click here.

Volkswagen Golf rates are complex

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with lower insurance prices.

  • Better credit scores mean better rates – Your credit history is a large factor in your rate calculation. So if your credit score is not that good, you could pay less to insure your 2004 Volkswagen Golf by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.
  • Where you live is a factor – Being located in a small town can save you money when it comes to insurance. Lower population means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities have to deal with traffic congestion and a longer drive to work. More time on the road can result in more accidents.
  • More claims means more premium – If you file claims often, you can look forward to higher rates. Auto insurance companies give better rates to drivers who are claim-free. Insurance coverage is intended for larger claims.
  • Pleasure use saves money – The more miles you rack up on your Volkswagen in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based on their usage. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Golf can result in significantly higher rates.
  • Your occupation can affect rates – Occupations such as doctors, social workers and stock brokers have the highest rates due to high stress levels and long work days. On the other hand, jobs such as pilots, students and retirees get better rates on Golf insurance.
  • How many coverages with the same company – The majority of insurance companies will give a discount to people who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to ensure the best deal. Consumers may find a better deal by splitting coverages up.
  • Traffic violations increase rates – Even one moving violation may increase your cost twenty percent or more. Drivers with clean records get better rates than bad drivers. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.

But I don’t know anything about car insurance

When buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can help discover if you could use an agent’s help.

  • Am I covered when using my vehicle for business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Are my friends covered when driving my 2004 Volkswagen Golf?
  • How do I insure my teen driver?
  • What is no-fault insurance?
  • I have health insurance so do I need medical payments coverage?
  • At what point should I drop full coverage?
  • Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Do drivers who switch really save $399 a year?

Insurance providers like Progressive, Allstate and Geico regularly use television and radio advertisements. They all have a common claim that you can save if you move to them. How does each company make the same claim?

All the different companies have a certain “appetite” for the type of driver that is profitable for them. An example of a driver they prefer could be between the ages of 30 and 50, is a homeowner, and has great credit. Any new insured who matches those parameters will get the preferred rates and as a result will probably save when they switch companies.

Potential insureds who don’t meet the “perfect” profile will have to pay more money which usually ends up with the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save that much money. That’s why companies can state the savings. Because of the profiling, drivers must compare as many rates as you can. It’s impossible to know which insurance company will provide you with the cheapest Volkswagen Golf insurance rates.

Specific coverage details

Having a good grasp of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Collision coverage

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 coverage protects against claims such as hitting a parking meter, damaging your car on a curb, driving through your garage door, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, doctor visits, ambulance fees, EMT expenses and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Golf.

Because many people 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 important protection for you and your family.


This coverage protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like legal defense fees, court costs and medical expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive coverages

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

Comprehensive coverage protects against things such as hail damage, falling objects, hitting a deer and theft. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Save for a rainy day

Cost effective 2004 Volkswagen Golf insurance is possible on the web as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

We covered a lot of information how to compare insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

More articles