2014 MINI Cooper Countryman Car Insurance Rates – 6 Tips for Best Quotes

Buyers have a choice when searching for the lowest priced MINI Cooper Countryman insurance. They can either waste time contacting agents trying to get quotes or use the internet to make rate comparisons.

There is a better way to find insurance online so we’re going to tell you the quickest way to get price quotes for a new or used MINI and find the best price possible from local insurance agents and online providers.

Consumers need to do rate comparisons once or twice a year since insurance rates trend upward over time. Even if you think you had the best rate on Cooper Countryman coverage six months ago other companies may now be cheaper. Forget all the misinformation about insurance because we’re going to show you one of the best ways to save money, get proper coverage and the best rates.

Use discounts to get cheaper car insurance rates

Insurance can cost an arm and a leg, but there’s a good chance there are discounts to help bring down the price. Some of these disounts will be visible at quote time, but some may not be applied and must be specially asked for prior to getting the savings.

• Air Bags and Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
• Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on Cooper Countryman coverage but check with your company.
• Defensive Driving Course – Participating in a class that teaches defensive driver techniques could earn you a small percentage discount if you qualify.
• Pay Early and Save – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
• Seat Belt Discounts – Requiring all passengers to use their safety belts could save 15% off PIP or medical payments premium.
• Telematics Devices – Insureds that choose to allow driving data submission to track driving patterns by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they have good driving habits.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, it’s just not the way it works. But any discount will reduce the premium cost.

A few companies that possibly offer most of these discounts include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

It’s a good idea to ask each insurance company to give you their best rates. A few discounts may not be offered everywhere. If you would like to view car insurance companies who offer free car insurance quotes, click this link.

First Step: Get free car insurance quotes

There are multiple methods to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You can waste hours talking about coverages with agents in your area, or you could use online quotes to get pricing more quickly.

Most major companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company then gives them pricing based on the submitted data. This saves time by eliminating quotation requests for each company.

To get comparison pricing now click to open in new window.

The only downside to getting quotes like this is buyers cannot specifically choose which providers you want to price. So if you prefer to choose individual companies to receive pricing from, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but make darn sure you compare identical coverage limits with every price quote. If your comparisons have differing limits it will be nearly impossible to determine which rate is truly the best.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions might point out whether or not you would benefit from an agent’s advice.

• Are my tools covered if they get stolen from my vehicle?
• Do I have any recourse if my insurance company denies a claim?
• If I drive on a suspended license am I covered?
• How many claims can I have before being cancelled?
• Should I rate my 2014 MINI Cooper Countryman as pleasure use or commute?
• When should I buy a commercial auto policy?
• What is covered by UM/UIM coverage?
• Can I get a multi-policy discount?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Liability

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as attorney fees, funeral expenses and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, dental work, nursing services and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, hitting a bird and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your MINI Cooper Countryman.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Make a quick buck

Insureds change insurance companies for many reasons like questionable increases in premium, lack of trust in their agent, not issuing a premium refund and even high rates after DUI convictions. Regardless of your reason, finding the right insurance coverage provider is not as hard as you think.

When shopping online for insurance coverage, never buy less coverage just to save a little money. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret that it was a big error on their part. Your aim should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

Cost effective 2014 MINI Cooper Countryman insurance is available on the web and from local agencies, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide rate quotes online and many times these smaller companies only sell through independent insurance agencies.

To learn more, feel free to browse the following helpful articles:

• Your Car has been Stolen: Now What? (Allstate)
• Shopping for a Safe Car (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Drunk Driving Statistics (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)