How Much Does 2018 MINI Clubman Insurance Cost?

I doubt anyone fancies paying their premiums for insurance coverage, especially when they are aware that their premiums are too high.

Vehicle owners have multiple insurance companies to purchase coverage from, and though it is a good thing to have a choice, more options can take longer to locate the cheapest rates.

It’s smart to take a look at other company’s rates as often as possible because prices are usually higher with each renewal. Even if you got the best deal for Clubman insurance last year the chances are good that you can find a lower premium rate today. There are lots of tips to save on insurance coverage on the internet, but I’m going to show you some guaranteed methods to buy insurance coverage cheaper.

Choosing the best insurance company for you is easy if you know what you’re doing. Just about anyone who is shopping for insurance coverage will most likely be able to lower their premiums. Although drivers need to learn the way insurance companies compete online and take advantage of how the system works.

Four things that influence your insurance rates

The best way to find cheaper insurance coverage is to take a look at the factors that help determine your insurance coverage rates. When consumers understand what determines base rates, this helps enable you to make changes that may result in cheaper rates. Many factors are taken into consideration when you get a price on insurance. Some are obvious such as your driving history, but others are not as apparent such as your marital status and annual miles driven.

The itemized list below are some of the most rate-impacting factors insurance coverage companies consider when setting your rate level.

  • Deter car thieves – Choosing to buy a car with anti-theft technology or alarm system can earn a premium discount. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Cheaper insurance coverage rates for prior coverage – Driving without insurance is not a good idea and insurance coverage companies will penalize you for letting your insurance lapse for non-payment. And not only will your rates increase, getting caught without coverage may result in a revoked license or a big fine. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Frequent claims will increase rates – If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Car insurance companies provide better rates to policyholders who file claims infrequently. Insurance coverage is intended for larger claims.
  • Little extras can really add up – Insurance policies have a lot of extra add-on coverages that can waste your money when buying insurance coverage. Things like rental car coverage, towing, and motor club memberships are some examples. They may seem good when talking to your agent, but if you’ve never needed them in the past get rid of them and save.

Quote insurance coverage online

All major insurance coverage companies like State Farm, GEICO and Progressive make it easy to get price estimates online. The process is possible for anyone as you simply enter your coverage information as requested by the quote form. After you complete the form, their quoting system orders your driving record and credit report and returns a price based on many factors. Quoting online makes it a lot easier to compare rates but the work required to visit a lot of sites and type in the same information gets old quite quickly. But it’s necessary to perform this step in order to find the best price on insurance coverage.

Rate comparisons made easy

The easiest way to get multiple rate quotes requires only one form to return rates from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online quotes much easier. Immediately after you send the form, it gets priced with multiple companies and you can pick any one of the returned quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. It takes less than 15 minutes and could lower your rates considerably.

To quickly use this form to compare rates, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you duplicate coverages and limits identical to your current policy. This makes sure you will receive an apples-to-apples comparison using the same coverage and limits.

Misconceptions in insurance coverage advertisements

Well-known insurance coverage companies like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. They all seem to make the same claim that you’ll save big after switching your policy. Is it even possible that every company can charge you less for car insurance? This is the trick they use.

All the different companies have specific criteria for the type of driver that earns them a profit. For instance, a profitable customer might have to be a mature driver, has never had a policy lapse, and drives a lower-performance vehicle. Any person that fits those parameters is entitled to the best price and as a result will probably save quite a bit of money when switching.

Insureds who do not fit these standards may receive a more expensive rate and the customer not purchasing. The wording the ads use say “drivers that switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can make claims that they all have the best rates. Because every company is different, you should get price quotes at each policy renewal. Because without a comparison, you cannot know which insurance companies will have the best prices for your profile.

Affordable insurance rates with discounts

Insuring your fleet can be pricey, but there’s a good chance there are discounts to help bring down the price. Some of these disounts will be visible when you complete an application, but less common discounts must be specially asked for before they will apply.

  • Low Mileage Discounts – Fewer annual miles on your MINI may allow you to get lower premium rates on the low mileage vehicles.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts up to 30%.
  • Membership in Organizations – Being a member of qualifying clubs or civic groups can get you a small discount on insurance.
  • Telematics Data – People who choose to allow their insurance company to analyze vehicle usage remotely like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they have good driving habits.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.
  • Discount for Swiching Early – Some companies reward drivers for switching to them prior to your current policy expiring. You can save around 10% with this discount.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

Some companies that may offer policyholders some of the discounts shown above include:

If you need the cheapest car insurance quotes, ask every insurance company which discounts they offer. Savings may not be offered in your area. To find insurers that have a full spectrum of discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

  • Do I need rental car coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need more liability coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I waive the damage coverage when renting a car?
  • Is motorclub coverage worth it?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Specific coverage details

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.

Protection from uninsured/underinsured drivers

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

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability car insurance

Liability insurance will cover damage or injury you incur to a person or their property. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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

Liability can pay for claims such as structural damage, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage pays for 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 insurance covers things such as damage from getting keyed, a broken windshield, hitting a deer and hitting a bird. The maximum amount your car insurance company will pay 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.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses such as pain medications, EMT expenses, ambulance fees and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your Clubman resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, crashing into a ditch, driving through your garage door, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Saving money makes a lot of cents

Budget-conscious 2018 MINI Clubman insurance can be sourced from both online companies as well as from insurance agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who may not have online quoting and usually these smaller providers only sell coverage through local independent agencies.

We covered many tips how you can reduce 2018 MINI Clubman insurance car insurance rates online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable car insurance. Consumers could even find that the lowest priced insurance coverage comes from an unexpected company. These companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In many cases, someone dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your goal is to buy enough coverage at a price you can afford.

Additional insurance coverage information can be read at the links below

Comments About 2018 MINI Clubman Insurance

  1. Shaun Jacobson

    Proud to be from Wilmington, DE. Quoted with GEICO, AAA, and some I forget for my Clubman and saved about $440 a year. Got better coverage too. LOL

  2. Dewey Joseph

    I’m in Dover, DE. I don’t recall every quote but I ended up saving about $50 each month. Was with USAA.