2004 Volkswagen GTI Insurance Quotes – 6 Discounts for Best Rates

Trying to find cheaper Driversauto insurance can be kind of frustrating for drivers who are beginners to buying insurance online. People have so many options available that it can turn into a difficult mission to find better prices.

It is always a good idea to compare rates periodically since insurance prices change regularly. If you had the best price on GTI insurance a couple years back there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the things you must know in order to find the best coverage while lowering your premiums.

How to compare free auto insurance price quotes

There are several ways of comparing rates from different companies. One of the best ways to compare 2004 Volkswagen GTI insurance prices is to jump online and get quotes. It is quite easy and can be accomplished using a couple different methods.

1. The recommended way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for a different quote for each price estimate. A single form will return price quotes from several companies. It’s the fastest way to compare.
2. A more time consuming way to find lower rates is spending the time to visit each company’s website and repeat the quote process. For example, we’ll assume you want to get rates from State Farm, Esurance and Liberty Mutual. To do that, you would have to spend time on each company’s site to input your insurance information, which can get rather old.

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

How you compare quotes is your choice, just do your best to use equivalent coverage limits and deductibles for each quote you get. If you enter different limits and deductibles on each one it will be nearly impossible to determine which company has the best rates. Just a small difference in insurance coverages or limits can result in a big premium difference. Just remember that obtaining a wide range of quotes helps locate the best price.

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Get cheap insurance coverage rates with discounts

The cost of insuring your cars can be expensive, but you may find discounts that can dramatically reduce your bill. Certain credits will be shown at the time of purchase, but some need to be asked about before being credited. If you do not double check each discount possible, you may be paying too high a price.

• Student Discounts – Excelling in school may save you up to 25%. Earning this discount can benefit you up until you turn 25.
• Discount for Life Insurance – If the company offers life insurance, you could get lower prices if you buy auto and life insurance together.
• Active Service Discounts – Having a deployed family member may lower your prices slightly.
• Discount for Home Ownership – Just being a homeowner can earn you a little savings because of the fact that having a home demonstrates responsibility.
• Discount for Multiple Policies – If you can bundle your home and auto insurance and insure them both with the same insurance company you may save up to 20% off your total premium.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

A list of companies and their offered discounts are detailed below.

• Geico may include discounts for anti-theft, military active duty, federal employee, good student, multi-policy, seat belt use, and driver training.
• USAA includes discounts for new vehicle, driver training, vehicle storage, multi-vehicle, annual mileage, good student, and defensive driver.
• Progressive may offer discounts for good student, continuous coverage, online quote discount, multi-policy, and multi-vehicle.
• American Family has savings for defensive driver, mySafetyValet, multi-vehicle, accident-free, good driver, and bundled insurance.
• Esurance offers discounts including homeowner, online shopper, anti-theft, defensive driver, Pac-12 alumni, and Switch & Save.
• Farmers Insurance offers premium reductions for business and professional, early shopping, teen driver, switch companies, and homeowner.
• State Farm discounts include good student, safe vehicle, defensive driving training, student away at school, Steer Clear safe driver discount, and Drive Safe & Save.

If you need cheap car insurance quotes, ask each insurance company how you can save money. All car insurance discounts might not apply everywhere. For a list of insurance companies that offer multiple discounts, click this link.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

• Why am I required to buy high-risk coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Are my tools covered if they get stolen from my vehicle?
• Am I better off with higher deductibles on my 2004 Volkswagen GTI?
• Is a new car covered when I drive it off the dealer lot?
• Am I covered if I break a side mirror?
• Do I need an umbrella policy?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Specific coverage details

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage covers damage to your GTI resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, driving through your garage door, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for bills for nursing services, X-ray expenses, pain medications and dental work. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, rock chips in glass and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability auto insurance – This can cover damage or injury you incur to people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, bail bonds and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

One last thing about your coverage

Drivers who switch companies do it for many reasons like high rates after DUI convictions, high prices, poor customer service and denial of a claim. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.

You just read a lot of ways to shop for 2004 Volkswagen GTI insurance online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with some of the smallest insurance companies.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability limits or collision coverage only to regret that the savings was not a smart move. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

More detailed car insurance information is available at these sites:

• State Car Insurance Guides (Geico)
• Should I Buy a New or Used Car? (Allstate)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

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