2007 MINI Cooper Car Insurance Rates – 5 Tips for Cheaper Quotes

Looking for cheaper auto insurance rates for your MINI Cooper? I can’t think of a single person who is fond of buying auto insurance, especially knowing their premiums are too high. Vehicle owners have many car insurance companies to purchase coverage from, and though it is a good thing to have a choice, having more auto insurance companies makes it harder to find the lowest rates.

Free auto insurance price quotes

There are several ways to compare auto insurance quotes, but some are easier and takes less work. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most car insurance companies take part in a program where insurance shoppers enter their policy data once, and each participating company returns a competitive quote based on that data. This eliminates the need for form submissions for each company.

To access this free quoting program, click here to start a free quote.

The only drawback to using this type of form is you can’t choose the companies you want to price. So if you want to choose from a list of companies for rate comparison, we put together a list of low cost auto insurance companies in your area. Click here to view list.

However you get your quotes, make absolute certain that you use the same coverage limits on every quote you get. If you enter different data it will be nearly impossible to determine which company has the best rates.

Take advantage of every car insurance discount

Some companies do not advertise every policy discount very clearly, so we researched a few of the more common as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

  • Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Discount for Life Insurance – Larger insurance carriers have a lower premium rate if you buy a life policy as well.
  • Defensive Driver Discounts – Taking time to complete a course in safe driver could save 5% or more and easily pay for the cost of the class.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • College Student Discount – Youth drivers who live away from home to go to college and don’t have a car may be insured at a cheaper rate.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

For a list of providers who offer discounts, click here.

How to know if you need help

When buying the best insurance coverage, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining if your situation could use an agent’s help.

  • Is my cargo covered for damage or theft?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should I not file a claim?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when using my vehicle for business?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by auto insurance companies.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, repair costs for stationary objects and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, falling objects and hitting a bird. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your MINI Cooper.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these coverages do not exceed the liability coverage limits.

Collision coverage protection

This coverage will pay to fix damage to your Cooper from colliding 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 can pay for claims like damaging your car on a curb, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for things like chiropractic care, X-ray expenses, hospital visits and prosthetic devices. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Save your hard earned cash

More affordable insurance is attainable on the web in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. Some companies don’t offer the ability to get quotes online and many times these regional carriers sell through independent insurance agents.

When searching for affordable insurance coverage quotes, don’t be tempted to skimp on coverage in order to save money. In too many instances, an insured cut comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your focus should be to buy enough coverage for the lowest cost while not skimping on critical coverages.

We covered some good ideas how to lower your 2007 MINI Cooper insurance prices. The most important thing to understand is the more providers you compare, the higher your chance of finding cheaper insurance coverage. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

More detailed insurance information can be found in these articles:

Comments About 2007 MINI Cooper Insurance

  1. Mallie Rush

    Corporate greed I’m telling you. I live just outside Des Moines, IA. Got car insurance rates from 21st Century, AIG Insurance, and some I forget for my 2007 MINI Cooper and I think I am saving around $40 each month. Still almost need a second mortgage.

  2. Jacqulyn Duffy

    Is State Farm or Erie cheap in Spokane, Washington?

  3. Waldo Kirkland

    If you have a good history and live around Anchorage, AK, check out GEICO. They seem to be cheaper. Was with Progressive. I get multi-vehicle and multi-policy discounts. Are quotes cheaper online?

  4. Cythia Bell

    If you don’t have tickets and live around Lexington, KY, check out Progressive. You might get cheaper rates. Left Encompass to switch. I recommend comparing lots of rates.

  5. Laree Compton

    Not sure what I should be paying. From northwest of Milwaukee, WI. Quoted rates from AAA, Eastwood, and MetLife for my 2007 MINI Cooper and I think I saved around $50 each month. I get lower rates because of my clean driving record. I quoted rates online then called them.

  6. Annelle Huffman

    Will 21st Century cancel my policy for a liability claim?

  7. Olga Herrera

    Live in Boise, ID. Quoted with Sentry, Esurance, 21st Century, and Amica for my 2007 MINI Cooper and saved $539 a year. Left American Family to switch.

  8. Christia Mcclure

    If you have a good history and are close to West Valley City, Utah, check out GEICO. You might get cheaper rates. Insured with The General before. I get lower rates because of my clean driving record. I got prices on the web.

  9. Shawnda Gould

    Mine is so expensive. Live in Seattle, WA. Not sure of all the companies but I ended up saving about $50 each month. Left Liberty Mutual to switch. I have several vehicles insured with them.

  10. Aron Wolfe

    If you have a good history and live near Spokane, WA, check out GEICO. I saved quite a bit. Insured with Travelers before. I have a teen driver too.

  11. Nana Cruz

    Do I have to carry car insurance in Tennessee?