View 2004 Volkswagen GTI Car Insurance Rates

Comparing car insurance rates is not a process consumers relish, but it has to be done before you can go for a ride.

It’s smart to get comparison quotes quite often because insurance rates go up and down regularly. If you had the lowest price on GTI coverage two years ago a different company probably has better rates today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to one of the quickest ways to buy cheaper car insurance.

Be sure to get all your discounts

Car insurance companies do not advertise all their discounts very clearly, so here is a list both the well known and the harder-to-find savings tricks you should be using.

  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on GTI coverage than less cautious drivers.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may earn at least 10% off all policies.
  • 55 and Retired – Mature drivers may be able to get reduced rates on GTI coverage.
  • Own a Home – Owning a home can save you money because owning a home demonstrates responsibility.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on GTI coverage depending on your company.
  • Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break when buying insurance on GTI coverage.

Drivers should understand that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

To see a list of insurance companies who offer insurance discounts, click here.

Where Can I Get Cheap Insurance Coverage?

Most major insurance companies allow you to get price estimates directly from their websites. Getting online rates doesn’t take much effort as you just enter your coverage information as requested by the quote form. Upon sending the form, their system requests your credit score and driving record and generates a price based on these factors.

Quoting online helps simplify price comparisons, but the time required to go to multiple sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes in order to find the lowest price.

The quickest way to lower your rates requires only one form that gets price quotes from multiple companies. The form is fast, helps eliminate reptitive entry, and makes online quotes much easier. After your information is entered, it gets priced and you can select any of the quotes that you receive. If you find a better price it’s easy to complete the application and buy the new coverage. This process takes less than 15 minutes and may save quite a bit of money.

To fill out one form to compare multiple rates now, click here and input your coverage information. If you currently have coverage, we recommend you complete the form with coverages and limits exactly as shown on your declarations page. This makes sure you’re receiving rate comparison quotes based on the exact same insurance coverage.

How do I know if I need professional advice?

When it comes to choosing coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can help discover whether your personal situation may require specific advice.

  • Is motorclub coverage worth it?
  • When would I need additional glass coverage?
  • Is my Volkswagen GTI covered if I use it for business?
  • How much liability coverage do I need in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance policy coverages for a 2004 Volkswagen GTI

Knowing the specifics of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision coverage

This coverage will pay to fix damage to your GTI caused by collision 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 insurance covers things like sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Volkswagen GTI.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.


This will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like loss of income, medical expenses, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is your choice, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle, damage from flooding, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like prosthetic devices, pain medications, rehabilitation expenses, funeral costs and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Pennies from heaven

Throughout this article, we presented quite a bit of information on how to compare 2004 Volkswagen GTI insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

Consumers change insurance companies for many reasons like policy cancellation, unfair underwriting practices, lack of trust in their agent and even extreme rates for teen drivers. Regardless of your reason, finding a new insurance coverage company can be pretty painless.

When shopping online for insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where drivers have reduced comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your aim should be to get the best coverage possible at the best price while still protecting your assets.

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