How Much Does 2013 MINI Cooper Coupe Car Insurance Cost?

I can’t think of anyone who fancies paying their premiums for insurance coverage, especially when they know they are paying too much. You have so many auto insurance companies to buy insurance from, and though it is a good thing to have a selection, too many choices makes it more difficult to find the best rates.

It’s smart to do rate comparisons as often as possible because insurance coverage rates go up and down regularly. Even if you got the lowest rate on Cooper Coupe coverage two years ago there may be better deals available now. Ignore everything you know about insurance coverage because you’re going to get a crash course in how to use the internet to find better rates and still maintain coverage.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you will be able to save some money using this information. Consumers only need to know the proper methods to get comparison quotes online.

Car insurance companies offer many discounts

Some insurance providers don’t always list every policy discount in an easy-to-find place, so we researched a few of the more common and also the more inconspicuous credits that may apply to you. If you’re not getting every credit possible, you are throwing money away.

• Student in College – Older children living away from home attending college and do not take a car to college can receive lower rates.
• Discount for New Cars – Putting insurance on a new car may earn a small discount due to better safety requirements for new vehicles.
• Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may get savings of 20 to 30 percent.
• Professional Memberships – Being a member of certain professional organizations is a good way to get lower rates on your bill.
• Accident Forgiveness Coverage – Not really a discount, but some insurance companies may permit one accident before hitting you with a surcharge with the catch being you have to be claim-free for a specific time period.
• Defensive Driver Discounts – Taking a course teaching safe driver skills could possibly earn you a 5% discount and make you a better driver.
• Accident Free – Insureds with no claims or accidents can save substantially as opposed to drivers who are more careless.
• Homeowners Savings – Being a homeowner can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
• Telematics Data Discounts – People who choose to allow data collection to monitor driving manner by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.
• Good Student Discount – Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.

It’s important to note that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Some of the insurance companies who may offer some of the discounts shown above include:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

Before buying, ask each insurance company how you can save money. Some of the earlier mentioned discounts may not be offered everywhere. If you would like to see a list of car insurance companies who offer discounts, click here to view.

How to buy insurance

Getting a cheap price on 2013 MINI Cooper Coupe insurance can be surprisingly simple. You just need to invest a few minutes comparing price quotes to find. It is quite easy and can be accomplished by using one of the methods below.

1. The most efficient method to find low rates would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating multiple quote forms for each company you want a rate for. A single, simple form will return price quotes from multiple low-cost companies.
2. Another way to obtain and compare quotes online is going to each individual company website and fill out their own quote form. For example, we’ll pretend you want rates from Allstate, 21st Century and Liberty Mutual. You would need to go to each individual site to input your insurance information, which is why the first method is more popular.

   For a list of links to companies insuring cars in your area, click here.

3. The most difficult way to find cheaper rates is to drive around to and from local insurance agencies. Shopping for insurance online has reduced the need for local agents unless you require the peace of mind that you can only get from talking to an agent. You can, however, obtain prices from the web but have a local agent actually write the policy.

It’s up to you which method you use, but make darn sure you compare apples-to-apples quote information on every price quote you get. If the quotes have unequal deductibles or liability limits it will be nearly impossible to get a fair rate comparison.

Do I just need basic coverages?

When it comes to choosing coverage, there is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For instance, these questions could help you determine whether you may require specific advice.

• How high should deductibles be on a 2013 MINI Cooper Coupe?
• Does insurance cover tools stolen from my truck?
• I have health insurance so do I need medical payments coverage?
• Am I getting all the discounts available?
• Should I rate my 2013 MINI Cooper Coupe as pleasure use or commute?
• How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Specifics of your car insurance policy

Having a good grasp of car insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most car insurance policies.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like doctor visits, prosthetic devices, pain medications, hospital visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability coverages

This protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as pain and suffering, medical expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, hitting a deer, vandalism, theft and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM 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. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your MINI Cooper Coupe.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Do the work, save more money

When shopping online for insurance, make sure you don’t sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best cost while not skimping on critical coverages.

Lower-priced 2013 MINI Cooper Coupe insurance is available online as well as from independent agents, and you should be comparing both to have the best selection. A few companies do not offer online quoting and usually these small insurance companies only sell through independent insurance agencies.

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

• Understanding Car Crashes Video (iihs.org)
• Safety Belts FAQ (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Avoiding Deer Collisions (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)