Searching for lower car insurance rates for your MINI Convertible? Wish you could get out of high-priced car insurance? You’re in good company because you are not the only one feeling buyer’s remorse. Consumers have multiple auto insurance companies to choose from, and although it’s a good thing to be able to choose, lots of choices makes it harder to find a good deal.
It’s a great practice to check car insurance prices quite often because rates are usually higher with each renewal. If you had the best rate for Convertible coverage a couple years back you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.
Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you should be able to cut costs considerably using these methods. Drivers only need to know the best way to compare rates online.
Many things are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but other criteria are less apparent such as your credit history or your commute time.
The list below includes just a few of the factors that factor into your rate level.
There are a variety of methods to shop for insurance, and some are less time-consuming than others. You could spend the better part of a day talking to local insurance agents in your area, or you can utilize the web to achieve your goal.
Many companies participate in an industry program that allows shoppers to complete one form, and each company provides a quote based on that data. This saves time by eliminating quotation requests for each company you want a rate for.
To submit your quote information now, click to open in new window.
The one disadvantage to using this type of form is you cannot specify which companies you want pricing from. So if you prefer to choose specific providers to compare rates, we have assembled a list of companies who write insurance in your area. View list of insurance companies.
The method you choose is up to you, but do your best to enter apples-to-apples coverage limits and deductibles with each company. If you have different values for each quote it’s impossible to find the best deal for your MINI Convertible.
Auto insurance companies don’t always list all their discounts in an easy-to-find place, so we break down both the well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you check and find you aren’t receiving every discount available, you may be paying too high a price.
As is typical with insurance, some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you’re out of luck.
A few popular companies and a summarized list of policyholder discounts are:
If you want cheap auto insurance quotes, ask every prospective company which discounts they offer. Some credits might not be offered in your area. For a list of insurers with significant discounts, click here to view.
When it comes to choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might help in determining if your insurance needs might need professional guidance.
If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.
Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.
Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hail damage, rock chips in glass, fire damage, falling objects and a tree branch falling on your vehicle. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, X-ray expenses and surgery. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Collision – This covers damage to your Convertible resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things like hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Liability car insurance – This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims like emergency aid, attorney fees, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2017 MINI Convertible.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
When getting auto insurance quotes online, do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed full coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
In this article, we presented a lot of information how to save on 2017 MINI Convertible insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.
For more information, feel free to visit the resources below: