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MINI Hardtop 2 Door Insurance Rates

There are many options when shopping for insurance coverage for your MINI vehicle. You can buy direct from your neighborhood insurance agent or get quotes online to compare insurance costs of car insurance companies. Finding cheaper car insurance from online rate quotes saves time, is easy to do and there is a good chance you will probably save money.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. The best method to find the cheapest Hardtop 2 Door insurance cost is to perform an online rate comparison. This can be accomplished by getting a quick quote here.

FREE Car Insurance Comparison

Insurance rates for a MINI Hardtop 2 Door can vary widely and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Use of your vehicle
  • Extra coverages like towing and rental
  • Your profession
  • The level of coverage
  • Whether you own your home

One last important factor which can affect the rate you pay on your MINI is the year of manufacture. Models that are a few years old cost less so repair costs tend to be lower which may end up costing you less. Conversely, newer vehicles may have options such as a collision avoidance system, forward-collision avoidance, and active head restraints which can help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your Hardtop 2 Door below.

Liability insurance - This can cover damage that occurs to other people or property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Collision coverage - This covers damage to your MINI caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Hardtop 2 Door collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and may carry a deductible.

How Much are MINI Hardtop 2 Door Insurance Rates?