2015 MINI Cooper Coupe Insurance Quotes

Searching for lower insurance coverage rates for your MINI Cooper Coupe? Feel like you’re a prisoner to high-priced insurance coverage? Trust us, you are not the only one feeling buyer’s remorse. Drivers have so many auto insurance companies to pick from, and even though it’s nice to be able to choose, having more insurance companies makes it harder to find the lowest rates.

Smart consumers take time to shop coverage around on a regular basis because prices are usually higher with each renewal. Despite the fact that you may have had the best price for Cooper Coupe coverage on your last policy the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance coverage online but by reading this article, you’re going to learn some great ways to quit paying high insurance coverage rates.

Automobile Insurance Quotes

Cutting your auto insurance rates is not a difficult process. Consumers just need to take a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

  • The fastest way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do repetitive form entry to each individual auto insurance company. A single, simple form will return quotes from multiple companies.
  • A harder way to compare rate quotes is going to each company website and complete a new quote form. For example, let’s say you want rates from Liberty Mutual, Safeco and Travelers. You would have to visit each site and enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage limits for each price quote. If you enter different liability limits it’s impossible to find the best deal for your MINI Cooper Coupe.

Are you falling for claims of savings?

Consumers constantly see and hear ads for cheaper car insurance from the likes of State Farm, Geico and Progressive. All the companies have a common claim that you can save if you move your coverage to them.

But how can every company make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the right customer that makes them money. For instance, a profitable customer might be profiled as between the ages of 30 and 50, has no tickets, and chooses high deductibles. A driver that hits that “sweet spot” will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who fall outside the “perfect” profile will be charged higher rates which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save money. That’s why insurance companies can advertise the way they do. That is why drivers must get as many quotes as possible. It’s not possible to predict which company will provide you with the cheapest MINI Cooper Coupe insurance rates.

Discounts can save BIG

Companies offering auto insurance don’t list all their discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • One Accident Forgiven – A few companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Resident Student – Children who live away from home without a vehicle on campus can receive lower rates.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

Insurance companies that possibly offer these benefits include:

Before buying, ask each insurance company how you can save money. Discounts might not be offered in your state.

Will just any policy work for me?

When buying the right insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions could help you determine if your situation might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • Does having multiple vehicles earn me a discount?
  • Is business property covered if stolen from my car?
  • How do I buy GAP insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will my rates increase for filing one claim?
  • Can I afford to pay high deductible claims out of pocket?
  • If I drive on a suspended license am I covered?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Auto insurance coverages 101

Knowing the specifics of auto insurance helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by auto insurance companies.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed, hitting a bird, rock chips in glass and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverages – This coverage pays for damage to your Cooper Coupe resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, hitting a mailbox, crashing into a building, driving through your garage door and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as prosthetic devices, funeral costs, ambulance fees and dental work. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability insurance – Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, funeral expenses, emergency aid, legal defense fees and structural damage. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Better coverage you can count on

We just presented a lot of techniques to save on 2015 MINI Cooper Coupe insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like State Farm, Geico and Nationwide.

The cheapest insurance is definitely available from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance coverage companies do not offer online quoting and these smaller companies work with independent agents.

More information is available on the following sites: