How Much Does 2008 MINI Cooper Clubman Car Insurance Cost?

Searching for the cheapest auto insurance rates? Consumers have options when looking for low-cost MINI Cooper Clubman insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to find the lowest rates.

There is a better way to shop for auto insurance so you’re going to learn the proper way to price shop coverage for your MINI and get the lowest possible price from local insurance agents and online providers.

It’s a good habit to compare prices every six months since insurance prices change regularly. Even if you think you had the lowest price for Cooper Clubman insurance at your last renewal other companies may now be cheaper. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use the internet to reduce your cost while improving coverage.

Get affordable rates by applying discounts

Companies offering auto insurance do not list every possible discount in a way that’s easy to find, so the following is a list of a few of the more common as well as the least known credits available to lower your premiums when you buy insurance coverage online. If they aren’t giving you every credit available, you are paying more than you should be.

• Passive Restraint Discount – Cars that have air bags can qualify for discounts of 25 to 30%.
• Claim-Free Discount – Drivers who don’t have accidents pay much less as opposed to bad drivers.
• Government Employee Discount – Active or former government employment could qualify for a slight premium decrease for Cooper Clubman insurance with select insurance companies.
• More Vehicles More Savings – Purchasing coverage when you have more than one vehicle on one policy could earn a price break for each car.
• Resident Student – College-age children who are enrolled in higher education away from home and don’t have a car could get you a discount.

Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, it’s just not the way it works.

Car insurance companies that have some of the above discounts are:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

Before buying, ask every insurance company to give you their best rates. Some discounts listed above might not be offered in your state.

Finding car insurance

There are a variety of methods to compare car insurance quotes, but one way is easier and takes less work. You can waste a few hours (or days) driving to local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

All the larger companies take part in a program where prospective buyers complete one form, and each company can give them a price. This prevents consumers from doing quote forms to each company.

To compare rates now click here (opens in new window).

The single downside to doing it this way is buyers cannot specifically choose which insurance companies to receive prices from. So if you want to choose specific providers to receive pricing from, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever method you choose, try to keep identical information on every quote you get. If each company quotes mixed coverages it will be impossible to make a fair comparison for your MINI Cooper Clubman.

Your insurance coverage coverage should be tailored to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

These are some specific questions may help highlight whether or not you would benefit from professional advice.

• Is borrowed equipment or tools covered if stolen or damaged?
• Do I really need UM/UIM coverage?
• Should I carry comprehensive and collision coverage?
• Do I need motorclub coverage?
• What is UM/UIM insurance?
• What can I do if my company won’t pay a claim?
• Does coverage extend to my business vehicle?
• Is extra glass coverage worth it?
• What is the minimum liability in my state?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, theft, damage from flooding, hitting a deer and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as surgery, doctor visits, pain medications, prosthetic devices and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2008 MINI Cooper Clubman.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability coverage

This provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, legal defense fees, bail bonds, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, hitting a mailbox, colliding with a tree, sideswiping another vehicle 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 older. It’s also possible to increase the deductible to bring the cost down.

Online plus local equals savings

You just learned a lot of ways to shop for 2008 MINI Cooper Clubman insurance online. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates are with a small mutual company.

Consumers who switch companies do it for any number of reasons including high rates after DUI convictions, policy non-renewal, delays in paying claims and even high prices. Regardless of your reason, switching companies is not as difficult as it may seem.

Discount 2008 MINI Cooper Clubman insurance can be bought both online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not offer rates over the internet and most of the time these smaller providers provide coverage only through independent agents.

To learn more, take a look at the following helpful articles:

• Side Impact Crash Tests (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)