Cheap 2015 MINI Cooper Roadster Car Insurance Rates

Consumers have lots of choices when looking for low-cost MINI Cooper Roadster insurance. You can either waste hours contacting agents to compare prices or save time using the internet to make rate comparisons. There is a right way and a wrong way to buy insurance so you’re going to learn the quickest way to quote coverages for a new or used MINI and locate the cheapest rates.

It’s important to do rate comparisons quite often due to the fact that insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Cooper Roadster coverage a few years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because you’re about to learn the only way to find better coverage at a better price.

If you have a policy now or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maintaining coverages. This information will teach you the most effective way to quote insurance. Consumers just need to understand the most efficient way to compare company rates online.

Learn how to buy auto insurance cheaper

Consumers need to have an understanding of some of the elements that help determine your premiums. If you have a feel for what influences your rates, this helps enable you to make changes that can help you get lower auto insurance prices.

The following are some of the factors utilized by car insurance companies to help set premiums.

• Costs for men may be higher – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. They both get in fender benders in similar percentages, but males cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
• Careless drivers pay higher premiums – Your driving record impacts premiums far more than you think. Having a single driving citation may cause rates to rise by twenty percent. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. People who have severe tickets such as DUI or willful reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.
• Infrequent drivers can save – Driving a lot of miles each year the higher the price you pay to insure it. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Cars that are left in the garage qualify for better rates than vehicles that are driven to work every day. It’s a smart idea to ensure your auto insurance coverage correctly shows the correct usage. Having an incorrect usage rating on your Cooper Roadster may be costing you higher rates.
• Theft deterrents save – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft and help bring rates down.
• Vehicles with better crash test results cost less to insure – Safer cars cost less to insure. Safe vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
• How much liability protection – A critical coverage on your policy, liability insurance is the protection if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
• Eliminate incidental coverages – There are a lot of optional add-on coverages that you can buy if you don’t pay attention. Coverage for things like vanishing deductibles, accident forgiveness, and Farm Bureau memberships are some examples. They may sound like good ideas when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.

Which insurance coverage is cheapest?

There are several ways you can shop for insurance coverage but one way is more efficient than others. You could spend your day talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many popular insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and at least one company then gives them pricing based on that information. This saves time by eliminating quote requests to each individual insurance coverage company.

To compare pricing click to open in new window.

The single downside to getting quotes like this is that you can’t choose the companies you want to price. So if you prefer to pick specific insurance companies to compare rates, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but do your best to use identical coverage data on every quote you get. If you use unequal deductibles or liability limits it will be very difficult to find the best deal for your MINI Cooper Roadster.

Ads can be misleading

Drivers can’t get away from all the ads for cheaper auto insurance by State Farm and Allstate. All the ads convey the message about savings if you get a free auto insurance quote and switch to their company.

It sounds good, but how can they all charge less that you’re paying now? This is how they do it.

All companies give the cheapest rates for the type of insured that will add to their bottom line. One example of a preferred risk might have to be married and over the age of 30, owns a home, and has excellent credit. Any new insured that fits those parameters will get low rates and as a result will probably pay quite a bit less when switching companies.

Insureds who do not meet the requirements may receive a more expensive rate and this can result in the customer buying from a different company. The trick is to say “drivers who switch” but not “everyone who gets a quote” save that much. This is how companies can truthfully make claims that they all have the best car insurance rates. Because of the profiling, drivers must compare price quotes frequently. It’s not possible to predict which company will fit your personal profile best.

Don’t overlook these car insurance discounts

Companies that sell car insurance don’t always advertise their entire list of discounts in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden car insurance savings.

• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles with the same car insurance company can get a discount on all vehicles.
• Discount for Life Insurance – Insurance companies who offer life insurance give a discount if you purchase life insurance.
• Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
• Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of 20 to 30 percent.
• E-sign – Some of the larger companies will give you a small discount simply for signing on their website.
• Lower Rates for Military – Being deployed in the military could be rewarded with lower premium rates.
• Telematics Discount – Drivers who elect to allow data collection to scrutinize when and where they use their vehicle through the use of a telematics system like Allstate’s Drivewise could save a few bucks as long as they are good drivers.
• Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% on Cooper Roadster coverage.
• Bundled Policy Discount – When you have multiple policies and insure them with the same company you could earn a discount of up to 20% off your total premium.
• Discount for Home Ownership – Owning a house can help you save on car insurance since home ownership shows financial diligence.

It’s important to understand that most discounts do not apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. Despite the appearance that you could get a free car insurance policy, insurance companies wouldn’t stay in business.

Companies and some of their more popular discounts are shown below.

• Progressive includes discounts for online quote discount, good student, continuous coverage, homeowner, online signing, multi-policy, and multi-vehicle.
• The Hartford may include discounts for vehicle fuel type, defensive driver, driver training, air bag, anti-theft, and good student.
• Mercury Insurance discounts include professional/association, annual mileage, low natural disaster claims, type of vehicle, accident-free, and ease of repair.
• Geico has savings for emergency military deployment, driver training, multi-policy, seat belt use, daytime running lights, anti-theft, and good student.
• AAA offers discounts for pay-in-full, education and occupation, multi-car, AAA membership discount, good driver, and anti-theft.
• State Farm has discounts for safe vehicle, good driver, Drive Safe & Save, good student, driver’s education, and defensive driving training.

Double check with each insurance company which discounts you qualify for. Savings may not be available in your area. To locate companies that offer multiple discounts, click here to view.

When to get professional advice

When choosing proper insurance coverage, there really is not a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help you determine whether you would benefit from professional advice.

• How high should my uninsured/underinsured coverage be in my state?
• Do I pay less if my vehicle is kept in my garage?
• How much liability insurance is required?
• How high should deductibles be on a 2015 MINI Cooper Roadster?
• Is my dog or cat covered if injured in an accident?
• Am I missing any policy discounts?
• Am I covered when using my vehicle for business?
• Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, rock chips in glass, vandalism and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like structural damage, attorney fees, repair bills for other people’s vehicles, loss of income and medical services. How much coverage you buy is up to you, but you should buy higher limits if possible.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people 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 important protection for you and your family.

Collision coverage – This coverage pays for damage to your Cooper Roadster resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, colliding with another moving vehicle, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses such as prosthetic devices, chiropractic care, nursing services and X-ray expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Be a penny pincher

As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured cut comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

Drivers switch companies for many reasons like denial of a claim, lack of trust in their agent, unfair underwriting practices and questionable increases in premium. It doesn’t matter why you want to switch finding a new company can be less work than you think.

Cheap 2015 MINI Cooper Roadster insurance can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not have online quoting and many times these smaller companies sell through independent agents.

Additional detailed information can be found in the articles below:

• Auto Insurance 101 (About.com)
• How to Avoid Staged Accidents (State Farm)
• Senior Drivers (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)