How Much Does 2013 MINI Cooper Car Insurance Cost?

Are you a victim of an underperforming, overpriced car insurance policy? Believe me, there are many people just like you. Because there are so many car insurance companies to choose from, it is very difficult to find the best insurance company.

The purpose of this post is to help educate you on the best way to quote coverages and some money-saving tips. If you have car insurance now, you stand a good chance to be able to save some money using these methods. Vehicle owners only need to know the proper way to shop online.

Car Insurance Prices

Most companies allow you to get prices on their websites. The process is pretty easy as you just enter your coverage information as requested by the quote form. Once you submit the form, their system pulls credit information and your driving record and returns a price. Online price quotes makes comparing rates easy, but the time it takes to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to find the lowest car insurance rates.

A quicker way to locate the lowest prices requires only one form that gets prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes comparison shopping a lot less work. As soon as the form is sent, it gets priced and you can choose any of the price quotes you receive.

If a lower price is quoted, you can click and sign and buy the policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you copy deductibles and limits as close as possible to your current policy. This helps ensure you will be getting an apples-to-apples comparison based on similar coverages.

Cut your premium with discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Most are applied when you get a quote, but a few need to be requested specifically before they will apply. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

• Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Cooper coverage than their less cautious counterparts.
• Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
• New Vehicle Savings – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
• Multi-policy Discount – If you have multiple policies with one company you may earn at least 10% off all policies.
• Clubs and Organizations – Being a member of a civic or occupational organization could trigger savings on your policy for Cooper coverage.
• One Accident Forgiven – Certain companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
• Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.
• Multiple Vehicles – Insuring multiple vehicles with the same company qualifies for this discount.
• Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.

It’s important to note that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will cut the amount you have to pay.

For a list of providers offering insurance discounts, click this link.

What is the best insurance coverage?

When choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different and your policy should reflect that. These are some specific questions might help in determining if your situation would benefit from professional advice.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my liability insurance cover pulling a trailer or camper?
• What are the best liability limits?
• Should I put collision coverage on all my vehicles?
• Am I covered when pulling a rental trailer?
• Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.

Educate yourself about insurance coverages

Understanding the coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Liability – This coverage provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, repair costs for stationary objects, structural damage, pain and suffering and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, a broken windshield, hitting a deer and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your MINI Cooper.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – This coverage pays for damage to your Cooper resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, hitting a mailbox, crashing into a building, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like prosthetic devices, rehabilitation expenses, funeral costs, chiropractic care and surgery. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay