2015 MINI Cooper Countryman Insurance Quotes – 7 Policy Discounts

Scraping up a payment for overpriced MINI Cooper Countryman insurance can overdraw your funds and make it tough to pay other bills. Comparing rates annually can help to reduce premiums and put more money in your pocket.

Companies like Allstate and Progressive continually hit you with catchy ads and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have car insurance now, you should be able to reduce your rates substantially using this information. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, vehicle owners should learn how the larger insurance companies market on the web because it can help you find the best coverage.

Get affordable insurance with discounts

Some companies don’t list all their discounts very clearly, so the list below gives a summary of some of the more common as well as the least known discounts that you may qualify for.

• Include Life Insurance and Save – Larger insurance companies have a break if you buy some life insurance in addition to your auto policy.
• Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
• Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
• E-sign Discounts
• Smart Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
• Government Employees – Having worked for a branch of the government could cut as much as 10% off for Cooper Countryman insurance depending on your company.
• Military Discounts – Having a family member in the military can result in better premium rates.

One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates you could get a free insurance policy, you’re out of luck. But any discount will help lower your premiums.

A list of companies and a partial list of their discounts are included below.

• Progressive may have discounts that include online signing, multi-vehicle, homeowner, online quote discount, multi-policy, good student, and continuous coverage.
• AAA offers premium reductions for AAA membership discount, education and occupation, pay-in-full, good student, anti-theft, and good driver.
• Farmers Insurance offers discounts including teen driver, electronic funds transfer, bundle discounts, alternative fuel, pay in full, and early shopping.
• Geico discounts include emergency military deployment, seat belt use, anti-lock brakes, multi-policy, and anti-theft.
• Esurance includes discounts for renters, online quote, safety device, good student, DriveSense, and online shopper.
• SAFECO offers discounts for anti-lock brakes, accident prevention training, bundle discounts, teen safe driver, and teen safety rewards.
• State Farm may include discounts for Steer Clear safe driver discount, passive restraint, defensive driving training, anti-theft, and good driver.

Double check with each company or agent which discounts they offer. Some of the earlier mentioned discounts may not be available in your area. If you would like to see a list of insurers who offer online insurance quotes, follow this link.

The method we recommend to compare car insurance rates is to take advantage of the fact most insurance companies actually pay money for the chance to give free rates quotes. All consumers are required to do is provide a small amount of information including the ages of drivers, an estimate of your credit level, if it has an anti-theft system, and if you went to college. Those rating factors is sent automatically to multiple companies and you will get price comparisons immediately.

To start a quote now, click here and enter your zip code.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different so this has to be addressed. For example, these questions could help you determine whether your personal situation would benefit from professional advice.

• Is a fancy paint job covered?
• When should I not file a claim?
• How much liability do I need to cover my assets?
• Is extra glass coverage worth it?
• Am I better off with higher deductibles on my 2015 MINI Cooper Countryman?
• How high should my medical payments coverage be?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Auto insurance myths debunked

Popular auto insurance providers such as Allstate, Geico and Progressive regularly use television and radio advertisements. They all make the point about how much you will save if you change your coverage to them. That’s great but how can every company lower your car insurance rates? Just pay attention to how they say it.

Auto insurance companies are able to cherry pick for the type of insured that is profitable for them. For example, a profitable insured could be a married female, has never had a claim, and drives a vehicle with a low ISO rating. A customer that hits that “sweet spot” will most likely get cheap rates and will also save quite a bit of money when switching.

Potential customers who cannot meet those criteria will probably be forced to pay higher rates and this results in the customer buying from a different company. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can truthfully claim big savings.

This emphasizes why you really need to compare many company’s premium rates. Because you cannot predict which company will have the best car insurance rates.

Insurance coverage options for a MINI Cooper Countryman

Learning about specific coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Collision – This will pay to fix damage to your Cooper Countryman resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, colliding with another moving vehicle, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability auto insurance – Liability coverage provides protection from damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

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 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like structural damage, court costs, attorney fees and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance – This coverage pays to fix your vehicle from 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 insurance covers things like hail damage, damage from flooding, rock chips in glass, falling objects and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for expenses for doctor visits, funeral costs, prosthetic devices, rehabilitation expenses and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your MINI Cooper Countryman.

Since many drivers 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 a good idea. Normally these limits do not exceed the liability coverage limits.

One last thing

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. In many instances, an accident victim reduced liability coverage limits only to regret at claim time they didn’t have enough coverage. Your objective should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

Cost effective 2015 MINI Cooper Countryman insurance can be bought online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide online rate quotes and most of the time these small, regional companies provide coverage only through independent agents.

You just read a lot of techniques to lower your 2015 MINI Cooper Countryman insurance car insurance rates. The key concept to understand is the more companies you get premium rates for, the better likelihood of getting the cheapest insurance. You may even discover the lowest priced auto insurance comes from a small local company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.

For more information, feel free to visit these articles:

• Understanding Car Crashes Video (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Teen Driving Statistics (iihs.org)