Compare 2015 MINI Cooper Coupe Car Insurance Cost

Having to pay for high-priced MINI Cooper Coupe insurance can dry up your savings and require stricter spending habits. Comparing rates annually is free, only takes a few minutes, and is a good way to lower your bills every month.

You have multiple insurance companies to purchase coverage from, and although it’s nice to be able to choose, lots of choices makes it harder to adequately compare rates.

Compare car insurance rate quotes

Lowering your 2015 MINI Cooper Coupe car insurance rates can be relatively painless. All that’s required is to invest a little time comparing rate quotes to find. This can be accomplished by using one of the methods below.

1. One of the simplest ways to get quotes is an all-inclusive rate comparison click here to open form in new window. This style of form saves time by eliminating repetitive form submissions for each company. One simple form gets rate comparisons direct from many companies.
2. A less efficient way to compare prices is going to the website for every company you want to comare to complete their respective quote request forms. For example, let’s assume you are doing a rate comparison from Liberty Mutual, Esurance and Progressive. To get each rate you have to take the time to go to each site to enter your coverage information, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples coverages for every company. If you use mixed coverages you will not be able to make a fair comparison for your MINI Cooper Coupe.

Cheap insurance rates with discounts

Insurance is expensive, but you might be missing out on some discounts that can dramatically reduce your bill. Some trigger automatically when you quote, but some need to be specially asked for prior to getting the savings.

• Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle their seat belts can save a little off PIP or medical payments premium.
• Own a Home and Save – Just being a homeowner can save a few bucks because it is proof that your finances are in order.
• Low Mileage Discounts – Driving less could be rewarded with substantially lower insurancerates.
• Save over 55 – Mature drivers may receive a discount up to 10% on Cooper Coupe coverage.
• Claim-Free Discount – Insureds with no claims or accidents can save substantially as opposed to frequent claim filers.
• Telematics Data – Policyholders that allow driving data collection to spy on when and where they use their vehicle by using a telematic data system like Allstate’s Drivewise could see a rate decrease if they are good drivers.
• Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a discount if you purchase a life policy as well.

We need to note that many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Even though the math looks like you can get free auto insurance, companies don’t profit that way.

To view insurance companies with significant discounts, click here to view.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can help discover if you might need professional guidance.

• Are rental cars covered under my policy?
• Am I missing any policy discounts?
• What are the best liability limits?
• Do I pay less for low miles?
• What if I owe more than I can insure my car for?
• When does my teenage driver need to be added to my policy?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance 101

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, hitting a deer, damage from a tornado or hurricane and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your MINI Cooper Coupe.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage pays for damage to your Cooper Coupe caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, hitting a parking meter, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability coverages

This will cover injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, loss of income, legal defense fees and court costs. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like dental work, rehabilitation expenses, surgery and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible