Cheap 2013 MINI Cooper Coupe Insurance Rates

Searching for cheaper car insurance rates for your MINI Cooper Coupe? I can’t think of a single person who looks forward to paying for car insurance, especially when the price is too high. Having so many choices of insurance companies, it is hard for the average consumer to pick the most cost effective provider.

The purpose of this article is to introduce you to the best way to quote coverages and some tricks to saving. If you currently have car insurance, you should be able to save some money using these techniques. Drivers just need to know how to find the lowest price online.

Compare the Market for Insurance

There are multiple methods to shop for 2013 MINI Cooper Coupe insurance, but some are easier and takes less work. You could waste a few hours talking about coverages with local insurance agents in your area, or you could save time and use the internet to maximize your effort.

Most car insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and at least one company provides a quote based on the submitted data. This eliminates the need for repetitive form submissions to every company. To find out how much you’re overpaying now click here (opens in new window).

The one downside to doing it this way is you cannot specify which providers to receive prices from. So if you prefer to pick individual companies to compare prices, we have assembled a list of low cost insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just compare apples-to-apples deductibles and coverage limits for each price quote. If you are comparing different values for each quote you can’t possibly determine the lowest rate for your MINI Cooper Coupe.

Do you qualify for a discount?

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be specially asked for before they will apply. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Cooper Coupe coverage with a few car insurance companies.
  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Drive Less and Save – Keeping the miles down on your MINI can earn better rates on cars that stay parked.
  • Senior Discount – Mature drivers may qualify for a discount up to 10% on Cooper Coupe coverage.
  • Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Homeowners Savings – Owning a house may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will cut the amount you have to pay.

Insurance companies who might offer these discounts are:

Check with all companies you are considering which discounts they offer. All car insurance discounts may not apply in your area.

MINI Cooper Coupe rates are in the details

An important part of buying insurance is that you know the different types of things that help determine your auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get better auto insurance rates.

The following are some of the items companies use to determine your rates.

  • More claims means more premium – Auto insurance companies give cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance is designed for the large, substantial claims.
  • Little extras can really add up – There are a lot of extra coverages you can purchase if you aren’t careful. Coverages for vanishing deductibles, better glass coverage and membership fees are some examples. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Bump up deductibles to save – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your MINI. A few examples of covered claims could be colliding with a building, damage from fire, or theft. The deductibles are how much you are required to spend before your auto insurance pays a claim. The more money you have to pay, the lower your rates will be on Cooper Coupe coverage.
  • More miles equals more premium – The higher the mileage driven in a year’s time the higher your rate. The majority of insurers apply a rate determined by how the vehicle is used. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your auto insurance declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your Cooper Coupe can cost quite a bit.
  • Sex matters – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men tend to get into accidents in similar numbers, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Where you live can impact rates – Residing in small towns and rural areas is a positive aspect when it comes to auto insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. City drivers have to deal with more traffic problems and a longer drive to work. More time on the road can result in more accidents.

What coverages do I need?

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover whether or not you might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Is extra glass coverage worth it?
  • Do I need rental car coverage?
  • Does my personal policy cover me when driving out-of-state?
  • What are the best liability limits?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Can switching companies really save?

Consumers constantly see and hear ads for car insurance savings by Progressive, Allstate and Geico. All the companies have a common claim about savings if you change to their company.

How does each company claim to save you money?

All the different companies have a certain “appetite” for the type of customer that makes them money. For instance, a driver they prefer could possibly be between the ages of 30 and 50, is a homeowner, and has a high credit rating. A customer getting a price quote who meets those qualifications gets the lowest rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t measure up to this ideal profile will be charged a more expensive rate and ends up with business going elsewhere. Company advertisements say “customers who switch” not “everyone that quotes” save money. That’s the way companies can truthfully advertise the way they do.

That is why you need to get as many quotes as possible. It is impossible to predict which company will have the lowest MINI Cooper Coupe insurance rates.

Insurance coverage basics

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, hitting a deer, vandalism and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills such as prosthetic devices, doctor visits, hospital visits and chiropractic care. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability auto insurance

Liability insurance protects you from damage or injury you incur to people or other property in an accident. It protects you from claims by other people, and doesn’t 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. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This coverage will pay to fix damage to your Cooper Coupe resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, hitting a mailbox, driving through your garage door, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your MINI Cooper Coupe.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.

Affordable insurance is out there

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits and learned later that they should have had better coverage. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

The cheapest 2013 MINI Cooper Coupe insurance is possible both online and with local insurance agents, so compare prices from both so you have a total pricing picture. A few companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

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