2004 Volkswagen GTI Insurance Rates
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UPDATED: Nov 15, 2021
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Average insurance rates for a 2004 Volkswagen GTI are $968 a year with full coverage. Comprehensive insurance costs an estimated $150, collision costs $208, and liability costs around $452. Buying a liability-only policy costs as low as $504 a year, with high-risk insurance costing $2,082 or more. Teenage drivers receive the highest rates at $3,926 a year or more.
Annual premium for full coverage: $968
Rate estimates for 2004 Volkswagen GTI Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2004 Volkswagen GTI models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $504 for a discount liability-only rate to the much higher price of $2,082 for high-risk insurance.
These differences demonstrate why everyone should compare prices for a targeted area and risk profile, instead of using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2004 Volkswagen GTI Insurance
Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, many consumers feel financially strained by their auto insurance policy.
Having so many choices, it can be challenging to pick the right car insurance company.
Choosing the best insurance company for you is easy if you know what you’re doing. Just about every driver who shops for insurance coverage most likely will be able to lower their premiums. Nevertheless, vehicle owners can benefit by having an understanding of how companies compete online and apply this information to your search.
Compare the Market for Car Insurance
All the larger car insurance companies provide insurance quotes on the web. Obtaining pricing is fairly straightforward as you just enter the coverages you want as detailed in the form. Behind the scenes, their system automatically orders reports for credit and driving violations and generates pricing information based on these factors. This simplifies rate comparisons, but the time required to go to several different sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to do this if you are searching for better car insurance pricing.
Rate comparisons made easy
A quicker way to find better car insurance pricing requires only one form that gets price quotes from several companies at one time. The form is fast, requires less work, and makes online shopping much more efficient. Immediately after you send the form, it is rated with multiple companies and you can pick any of the resulting price quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process takes just a few minutes to complete and may save quite a bit of money.
To get comparison pricing now, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you replicate your coverages as shown on your current policy. Doing this assures you will get an apples-to-apples comparison based on identical coverages.
Insurance coverage companies such as Allstate and Progressive consistently run television and radio advertisements. They all seem to have a common claim that you’ll save big if you change your coverage to them. But how can every company claim to save you money?
Different companies are able to cherry pick for the right customer they prefer to insure. For instance, a profitable customer could be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who fits that profile will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.
Potential insureds who fall outside these standards will have to pay a more expensive rate and this can result in the customer not buying. The ads state “customers who switch” not “people who quote” save money. That’s why companies can state the savings. Because of the profiling, you absolutely need to quote coverage with many companies. You cannot predict which company will have the lowest Volkswagen GTI insurance rates.
Cut prices on 2004 Volkswagen GTI insurance
Auto insurance companies don’t always advertise all their discounts very well, so we researched both the well known and the harder-to-find ways to save on insurance coverage.
- Military Rewards – Being on active duty in the military can result in better rates.
- Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
- Auto/Life Discount – Larger companies have lower rates if you buy a life insurance policy as well.
- Federal Employees – Active or retired federal employment can save as much as 8% on GTI coverage with certain companies.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
- Driver Safety – Completing a course in driver safety can save you 5% or more depending on where you live.
- Memberships – Belonging to a professional or civic organization may earn a discount on insurance coverage on GTI coverage.
- Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
- Claim Free – Claim-free drivers pay less compared to accident-prone drivers.
As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.
Car insurance companies who might offer these benefits are:
It’s a good idea to ask each insurance company which discounts they offer. Discounts may not apply in your state.
Tailor your coverage to you
When choosing adequate coverage, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.
- Am I missing any policy discounts?
- When would I need rental car insurance?
- Am I covered by my spouse’s policy after a separation?
- Am I covered when driving in Canada or Mexico?
- What is the difference between comprehensive and collision coverage?
- Do I have any recourse if my insurance company denies a claim?
If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
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Specific coverages for a Volkswagen GTI
Learning about specific coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as funeral costs, surgery, ambulance fees and EMT expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen GTI.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage, fire damage and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability auto insurance
Liability insurance protects you from damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage pays for things like attorney fees, court costs and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things such as damaging your car on a curb, hitting a parking meter and hitting a mailbox. This coverage can be expensive, 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.
At the end of the day…
We just presented a lot of ways to get a better price on 2004 Volkswagen GTI insurance. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even find the lowest priced auto insurance comes from the least-expected company. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.
As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability coverage limits only to discover later they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
- Safety Tips for Teen Drivers (Insurance Information Insitute)
- Top Signs Your Brakes are Giving Out (State Farm)
- Bodily Injury Coverage (Liberty Mutual)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
Rates by U.S. City
|New York City, NY||$1,530|
|Los Angeles, CA||$1,653|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$59|
|5-yr Claim Free||$60|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.