Save on 2013 MINI Cooper Insurance Rates

I can’t think of a single person who rejoices having to buy auto insurance, especially when their premiums are too high. Having so many different company options, it can be hard to pick the right company.

It’s smart to check auto insurance prices yearly due to the fact that insurance prices change quite often. Just because you found the best deal for Cooper coverage a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to show you one of the quickest ways to save on auto insurance.

The fastest way that we advise to compare insurance rates in your area is to know the trick almost all companies have advanced systems to give free rates quotes. To start a quote, the only thing you need to do is provide a little information such as whether the vehicles are used for commuting, whether or not you need a SR-22, distance driven, and if the vehicle is leased. Your rating data is instantly sent to many of the top insurers and you will get price comparisons with very little delay.

The MINI Cooper insurance price equation

Multiple criteria are used when you get a price on insurance. Most are fairly basic like an MVR report, but some are not quite as obvious such as whether you are married and annual miles driven.

• Cheaper rates after marriage – Walking down the aisle can get you a discount compared to being single. Having a significant other translates into being more mature and responsible and insurance companies like that married drivers tend to file fewer claims.
• Stay claim-free and save – Auto insurance companies give discounts to policyholders who only file infrequent claims. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Your car insurance is intended for claims that pose a financial burden.
• Youthful drivers pay higher costs – More mature drivers tend to be more responsible, file fewer claims and get fewer tickets.Drivers with little experience are known to be careless and easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher.
• No car insurance gaps is important – Having a gap between insurance policy dates is a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, getting caught without coverage could earn you a fine, jail time, or a revoked license.
• Where you live can impact costs – Choosing to live in smaller towns and rural areas of the country is a positive aspect when buying car insurance. Urban drivers have more traffic problems and longer commute times. Less people living in that area corresponds to lower accident rates and lower theft and vandalism rates.

Discounts for lower-cost car insurance rates

Insuring your vehicles can cost a lot, but you might find some hidden discounts that many consumers don’t even know exist. Some discounts will apply when you get a quote, but once in a while a discount must be requested specifically prior to receiving the credit.

• Good Grades Discount – Getting good grades could provide a savings of up to 20% or more. The good student discount can last up to age 25.
• Save with More Vehicles Insured – Buying a policy with more than one vehicle with one company can reduce the rates for all insured vehicles.
• Lower Rates for Military – Having a family member in the military may lower your prices slightly.
• Distant Student – Children who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.
• Defensive Driver Discount – Participating in a course in defensive driver could cut 5% off your bill and make you a better driver.
• First Accident Forgiveness – Not really a discount, but companies like Geico, Allstate and Liberty Mutual will turn a blind eye to one accident without the usual rate increase if you are claim-free for a particular time prior to the accident.
• Payment Method – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
• Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course as it will make them better drivers and lower rates.
• Bundle and Save – If you combine your home and auto policies and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, you aren’t that lucky.

To see car insurance companies with discount rates, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions could help you determine whether your personal situation may require specific advice.

• How much liability coverage do I need in my state?
• Should I buy more coverage than the required minimum liability coverage?
• Do I need motorclub coverage?
• Should I get collision insurance on every vehicle?
• Should I buy additional glass protection?
• How many claims can I have before being cancelled?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Learn about insurance coverages for a MINI Cooper

Understanding the coverages of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

This coverage will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like medical services, funeral expenses and legal defense fees. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills like chiropractic care, funeral costs, prosthetic devices and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Buy online or local, you save

There are still a few companies who don’t offer rates over the internet and these regional insurance providers only sell coverage through independent agents. Lower-priced 2013 MINI Cooper insurance can be purchased online and with local insurance agents, so compare prices from both to have the best rate selection.

Throughout this article, we presented a lot of information how to reduce 2013 MINI Cooper insurance prices online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from some of the smallest insurance companies. They can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

For more information, feel free to visit the resources below:

• Determing Auto Insurance Rates (Geico)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Auto Insurance Learning Center (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)