2010 MINI Cooper Insurance Quotes – 6 Tricks for Cheapest Rates

Are you drained from sacrificing other expenses to pay high insurance rates every month? Your situation is no different than millions of other vehicle owners.

Vehicle owners have multiple insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, so many choices can make it hard to find the lowest cost provider.

You should take the time to get comparison quotes at least once a year because insurance prices are constantly changing. Even if you got the lowest rate on Cooper insurance at your last renewal you will most likely find a better premium rate today. There is a lot of wrong information about insurance on the web, but I’m going to show you some great ways to find affordable insurance.

Auto insurance quotes comparison

Shopping for lower auto insurance rates can be a lot of work if you don’t understand the best way to get rate quotes. You could spend the better part of a day talking about coverages with agents in your area, or you can stay home and use the web for quick rates.

All the larger companies participate in a marketplace where insurance shoppers complete one form, and every company can give them a price. This saves time by eliminating repetitive form submissions for each company. To compare rates now click here to start a free quote.

The one downside to comparing rates this way is that you can’t choose which insurance companies you want to price. So if you want to choose specific insurance companies to compare, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, do your best to enter apples-to-apples quote information for each comparison quote. If you are comparing different values for each quote it will be nearly impossible to make an equal comparison. Quoting even small variations in coverage limits could mean much higher rates. And when comparison shopping, more quotes helps you find better pricing. Some regional insurers cannot provide online rate quotes, so you should also compare prices from them as well.

Save $467 a year? Really?

Insurance providers like State Farm, Allstate and Geico constantly bombard you with ads on television and other media. All the companies advertise the message about how much you will save if you move your insurance policy to them. How do they all charge you a lower premium?

Companies provide the lowest rates for the type of customer that earns them the highest profit. For instance, a desirable insured might be described as a mature driver, has had continuous coverage, and has a short commute. Someone that hits that “sweet spot” will probably get the lowest car insurance rates and as a result will probably cut their rates substantially.

Insureds who don’t meet these stringent criteria will probably be forced to pay higher rates and this results in the customer not buying. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” save that much when switching. That’s why companies can truthfully advertise the way they do.

Each company has different criteria, so you should get as many free car insurance quotes as possible. It’s not possible to predict which insurance company will give you the biggest savings.

Get cheaper insurance coverage with discounts

Insurance coverage is neither fun to buy or cheap, but there could be significant discounts that could help you make your next renewal payment. Many discounts should be triggered when you complete an application, but some need to be manually applied in order for you to get them.

  • Defensive Driver Discounts – Completing a course in driver safety could earn you a small percentage discount and make you a better driver.
  • Multiple Policy Discount – When you have multiple policies with one company you could get a discount of nearly 15% which can help you find cheaper car insurance.
  • Membership in Organizations – Belonging to qualifying clubs or civic groups is a simple method to lower premiums on your next insurance coverage statement.
  • Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
  • Auto/Life Discount – Not all insurance carriers offer life insurance, but some may give you lower premium rates if you buy some life insurance too.
  • Telematics Devices – Insureds that choose to allow data collection to monitor where and when they drive by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they have good driving habits.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

If you would like to view providers with discount insurance coverage rates, click here.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • When should I not file a claim?
  • Am I covered if hit by an uninsured driver?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have any recourse if my insurance company denies a claim?
  • When should my teen driver be added to my policy?
  • Do I need motorclub coverage?
  • Is my teen driver covered when they drive my company car?
  • Exactly who is provided coverage by my policy?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Learn about insurance coverages for a MINI Cooper

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on the average insurance policy.

Auto collision coverage

Collision coverage pays for damage to your Cooper from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Auto liability

This provides protection from injuries or damage you cause to people or other property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like medical expenses, medical services, repair costs for stationary objects, pain and suffering and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, damage from a tornado or hurricane, fire damage and rock chips in glass. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your MINI Cooper.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for nursing services, pain medications, surgery, funeral costs and doctor visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Take this to the bank

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, someone dropped liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at the best cost while not skimping on critical coverages.

We just covered many tips how you can save on 2010 MINI Cooper insurance. The key thing to remember is the more times you quote, the better likelihood of getting cheaper car insurance. You may even discover the lowest priced insurance comes from a small local company. Smaller companies can often provide lower premium rates in certain areas compared to the large companies like Allstate, Geico and Progressive.

Additional detailed information is available at these sites:

Comments About 2010 MINI Cooper Insurance

  1. Arthur Baker

    Got pretty cheap 2010 MINI Cooper insurance from GEICO in Grand Forks, ND.

  2. Cherly Horton

    Thought I’d throw in my experience. From northwest of Boise, ID. Got car insurance quotes with 21st Century, American Family, and some I forget for my Cooper and saved about $120 a year. I have several vehicles insured with them. God forbid I actually have a claim.

  3. Jerald Glover

    Affordable car insurance is a myth. Went with The General for my Cooper and am saving around $310 a year. Good savings if you bundle. Just waiting to see how claims go.

  4. Fransisca Cochran

    From northwest of Davenport, Iowa. I quoted with Allstate, Erie, and The General for my MINI and I’m now saving $36 a month. Left Mercury to switch.

  5. Karol Cabrera

    Nice post. I live in West Valley City, Utah. Got quotes from Progressive, AIG Insurance, and some I forget for my 2010 MINI Cooper and I think I cut my rates about $40 each month.

  6. Krystina Carson

    Great info, thanks for posting. Quoted with Eastwood for my MINI and cut my rates about $230 a year. Thankfully I’m not a high risk driver. :P

  7. Glenn Holloway

    If you don’t have tickets and live around Spokane, Washington, check out Allstate. They seem to be cheaper. Teenage drivers are expensive! Can still barely afford it.

  8. Gladis Brennan

    Just a quick comment on my experience. I’m just west of Overland Park, KS. Got free quotes online for a 2010 MINI Cooper. Ended up at about $380 savings annually. Went with Progressive.

  9. Abel Randall

    FYI in Columbus, GA try State Farm. I got a good deal.