View 2011 MINI Cooper Clubman Insurance Rates

Searching for better insurance prices for a new or used MINI Cooper Clubman can be a painful process, but you can use a few tricks to find lower rates.

There is a better way to shop for insurance so we’re going to tell you the quickest way to get price quotes for a new or used MINI and locate the best price possible from local insurance agents and online providers.

It’s a good habit to take a look at other company’s rates occasionally due to the fact that insurance rates change quite often. Just because you had the best rates on Cooper Clubman insurance two years ago you will most likely find a better rate today. There is a lot of bad advice regarding insurance online, so by reading this article, you’re going to learn a lot of great tips on how to find cheap insurance.

How to Get Auto Insurance

Cutting your auto insurance rates is surprisingly easy. You just have to spend a few minutes on the computer comparing rates online from several insurance companies. This is very easy and can be done in a couple of different ways.

The recommended way to get quotes would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for repetitive form submissions for each company. Taking the time to complete one form will get you rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
A slightly less efficient method to obtain and compare quotes online is going to the website of each company to complete a price quote. For examples sake, let’s say you want rates from State Farm, Liberty Mutual and Travelers. To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make sure you use the exact same information with every price quote. If you are comparing differing limits it’s impossible to make a fair comparison for your MINI Cooper Clubman.

Pay less by taking advantage of discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply at quote time, but lesser-known reductions have to be specifically requested prior to receiving the credit. If they aren’t giving you every credit you deserve, you are paying more than you should be.

Auto/Home Discount – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
Life Insurance Discount – Some companies give better rates if you take out a life insurance policy as well.
Paperwork-free – Some insurance companies give back up to $50 for buying a policy and signing up over the internet.
New Car Discount – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save up to 5%.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like comp or med pay. So even though it sounds like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. Any amount of discount will reduce your premiums.

Insurance companies that may offer some of the above discounts may include but are not limited to:

Check with each company how you can save money. Some discounts might not be offered in your area.

Your coverage should be tailored to you

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Each situation is unique.

For instance, these questions can help discover if you may require specific advice.

Is my teen driver covered when they drive my company car?
Will my insurance pay for OEM parts?
What is medical payments coverage?
Is business equipment covered while in my vehicle?
Can I get a multi-policy discount?
How much liability insurance is required?
Why do I only qualify for high-risk insurance?
Is upholstery damage covered by car insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Insurance coverage basics

Knowing the specifics of insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to people or other property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as loss of income, legal defense fees, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Cooper Clubman resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, damaging your car on a curb and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for EMT expenses, pain medications, surgery, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, damage from a tornado or hurricane and a broken windshield. The maximum amount a 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 removing comprehensive coverage.

UM/UIM Coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants 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. So UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.