Save on 2015 MINI Cooper Car Insurance Rates

Want cheaper insurance rates for your MINI Cooper? Trying to find cheaper insurance for a new or used MINI Cooper can be a lot of work, but you can use these tips to make it easier.

There is a better way to compare insurance rates and you need to know the best way to quote coverages for a MINI and locate the best price possible from local insurance agents and online providers.

Cheapest car insurance rate quotes

Getting a low cost price on 2015 MINI Cooper insurance is actually easier than you may think. All that’s required is to take the time to compare free insurance quotes from different insurance companies. It is quite easy and can be accomplished by using one of the methods below.

If you don’t have a lot of time, the easiest way to get quotes is a comparison rater form click to view form in new window. This method prevents you from having to do separate quotation requests for every prospective company. A single form gets coverage cost estimates direct from many companies. This is perfect if you don’t have a lot of time.

A more difficult way to find more affordable insurance requires a visit to the website of each company and repeat the quote process again and again. For examples sake, we’ll pretend you want to compare rates from Liberty Mutual, 21st Century and Geico. To do that, you would have to go to each individual site and type in your information over and over, which can be really labor intensive. To view a list of companies in your area, click here.

The old school way to comparison shop is driving to insurance agencies in your area. The fact that you can get quotes online eliminates the need for an insurance agent unless you require the professional abilities of an agent trained in personal lines coverage. Although, it is possible compare the best prices online but have your policy serviced through an agent.

The method you choose is up to you, but make darn sure you compare apples-to-apples coverages and limits for each price quote. If you are comparing different data you can’t possibly make a fair comparison for your MINI Cooper.

Drivers can save with with these discounts

Insurance is not cheap nor is it fun to buy but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be applied when you purchase, but lesser-known reductions have to be requested specifically in order for you to get them.

• Distant College Student Discount – Children living away from home attending college and leave their car at home may be able to be covered for less.
• Drivers Education – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Low Mileage Discounts – Maintaining low annual mileage could qualify for lower rates due to less chance of an accident.
• Discount for Good Grades – Getting good grades may save as much as 25% on a insurance quote. Most companies allow this discount up until you turn 25.
• Auto/Home Discount – If you combine your auto and home policies with one company you could save at least 10 to 15 percent or more.
• Accident Free – Drivers with accident-free driving histories have much lower rates as opposed to frequent claim filers.
• Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.
• Defensive Driver Discount – Taking part in a driver safety course may get you a small discount and easily pay for the cost of the class.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.

As a sidenote, most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.

To locate insurance companies offering insurance discounts, click this link.

Informed consumers save money

Many factors are taken into consideration when you get your auto insurance bill. Some are obvious such as traffic violations, although others are not as apparent such as your marital status or your financial responsibility.Consumers need to have an understanding of some of the elements that help determine insurance coverage rates. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to lower premium levels.

The following are some of the most rate-impacting factors companies use to determine your rates.

• Gender matters – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are better drivers. They both have auto accidents at a similar rate, but males have accidents that have higher claims. Men also tend to get higher numbers of serious violations like DUI and reckless driving.
• Coverage lapses lead to higher rates – Having a gap between insurance policy dates is a quick way to increase your rates. Not only will you pay more, the inability to provide proof of insurance could result in a steep fine or even jail time. Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• More policies can equal more savings – Some insurers will give a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to guarantee you are still saving the most. Drivers may still save even more than the discount even if you insure with multiple companies
• Too many insurance claims and you’ll pay more – If you tend to file frequent claims, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Auto insurance companies award the lowest premiums to drivers who only file infrequent claims. Your insurance policy is intended for larger claims.
• Raising physical damage deductibles saves money – Physical damage deductibles tell how much you are willing to pay out-of-pocket before your insurance coverage pays a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims are a windshield broken by a bird, damage caused by hail, and damage from wind. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Cooper insurance.
• Your car’s features help determine prices – Buying a car with advanced anti-theft systems can help lower your premiums. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms help track and prevent car theft and help bring rates down.
• Your address can impact prices – Choosing to live in a small town can be a good thing when insuring your vehicles. Drivers who live in large cities have more auto accidents and longer commutes to work. Fewer drivers and short commutes means less chance of accidents and a lower car theft rate.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

For example, these questions could help you determine whether or not you could use an agent’s help.

• What if I don’t agree with a claim settlement offer?
• What companies insure drivers after a DUI or DWI?
• How do I file an SR-22 for a DUI in my state?
• Can I still get insurance after a DUI?
• How can I get high-risk coverage after a DUI?
• Does my insurance cover a custom paint job?
• What is high-risk coverage and where do I buy it?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Specific coverages for a 2015 MINI Cooper

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverages – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, hitting a bird and damage from flooding. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage – This protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like legal defense fees, repair bills for other people’s vehicles, pain and suffering, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your Cooper resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for X-ray expenses, doctor visits, nursing services, chiropractic care and surgery. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Don’t throw your cash in the trash

In this article, we presented many ideas to compare 2015 MINI Cooper insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the lowest prices come from some of the smallest insurance companies.

Budget-friendly insurance can be sourced both online in addition to local insurance agencies, so you need to shop insurance with both so you have a total pricing picture. A few companies may not have online price quotes and these small, regional companies only sell through independent agencies.

People change insurance companies for any number of reasons including denial of a claim, unfair underwriting practices, poor customer service and policy non-renewal. It doesn’t matter why you want to switch finding a new company can be easier than you think.

More detailed insurance information can be found in these articles:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Crash Avoidance Technologies FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)