Compare 2008 MINI Cooper Car Insurance Quotes

Having to pay for overpriced car insurance can take a big chunk out of your bank account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to lower your monthly bill. Since consumers have many online and local companies to choose from, it is hard for the average consumer to find the most cost effective provider.

Finding affordable coverage is not that difficult. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Consumers just need to learn the best way to shop on the web.

Save on 2008 MINI Cooper insurance

Companies offering auto insurance do not advertise all available discounts very well, so we took the time to find some of the more common as well as the least known car insurance savings. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Cooper insurance depending on your company.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates on car insurance for Cooper insurance.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of insurers offering car insurance discounts, click here to view.

Low Cost Insurance

There are a variety of methods to shop for 2008 MINI Cooper insurance, but there is one way that is easier and takes less work. You can waste a few hours (or days) talking to insurance agencies in your area, or you can stay home and use online quotes to achieve your goal.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and at least one company returns a competitive quote. This saves time by eliminating quotation requests to each individual insurance company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to comparing rates this way is that you can’t choose the insurers to receive prices from. So if you want to choose from a list of companies to compare rates, we put together a list of companies who write insurance in your area. Click here to view list.

Which method you use is up to you, but ensure you’re using the exact same deductibles and coverage limits on every quote you get. If you are comparing higher or lower deductibles it’s not possible to find the best deal for your MINI Cooper.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining whether you will benefit from professional help.

  • Can I drive in Mexico and have coverage?
  • Is motorclub coverage worth it?
  • How can I get high-risk coverage after a DUI?
  • Where can I find high-risk insurance?
  • If I drive on a suspended license am I covered?
  • Is other people’s property covered if stolen from my vehicle?
  • How does medical payments coverage work?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking 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 companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of a insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Liability coverage

Liability coverage can cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like pain and suffering, attorney fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like doctor visits, surgery and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects, damage from getting keyed and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your MINI Cooper.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Compare but don’t skimp

We’ve covered many tips how you can save on 2008 MINI Cooper insurance. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Drivers may discover the best prices are with the smaller companies. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

The cheapest insurance is definitely available on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

Even more information can be found at these sites: