2014 MINI Cooper Clubman Car Insurance Quotes

Searching for lower auto insurance rates for your MINI Cooper Clubman? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say there are many people just like you. Multiple insurance companies compete for your insurance dollar, so it can be very hard to choose a provider to find the lowest cost out there.

If you have a policy now or are just looking to switch companies, you can follow these tips to shop for the lowest rates and still get good coverage. Finding the best rates is not rocket science. Drivers just need to understand the best way to shop for insurance on the web.

Don’t miss out on these money-saving discounts

Companies offering auto insurance don’t list all their discounts in an easy-to-find place, so we took the time to find both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Cooper Clubman insurance with select insurance companies.
  • Low Mileage Discounts – Keeping the miles down on your MINI could qualify for lower rates on the low mileage vehicles.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Driver Safety – Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • No Charge for an Accident – Some insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.

It’s important to understand that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of providers offering car insurance discounts, click here to view.

How to Get Auto Insurance Comparison Quotes

Cutting your auto insurance rates doesn’t have to be difficult. All you need to do is invest a little time comparing price quotes online from several insurance companies. This can be done in a couple of different ways.

  1. The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for repetitive form entry for every auto insurance company. Just one form will get you rate comparisons from multiple companies.
  2. A less efficient way to analyze rates requires you to visit the website for every company you want to comare to complete their respective quote request forms. For example, let’s assume you want comparison quotes from Farmers, Allstate and Progressive. To find out each rate you need to take the time to go to 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.

Whichever method you choose, make darn sure you compare exactly the same deductibles and coverage limits with each company. If you are comparing different deductibles it’s impossible to determine the best price for your MINI Cooper Clubman.

Impacting insurance rates for a MINI Cooper Clubman

Smart consumers have a good feel for the different types of things that go into determining the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

  • More people means more accidents – Living in a small town is a positive aspect when insuring your vehicles. Fewer drivers means a lower chance of having an accident. Urban drivers regularly have more traffic problems and longer commutes to work. Higher commute times can result in more accidents.
  • Bundling policies can get discounts – The majority of auto insurance companies give discounts to people who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible. Consumers may find a better deal by buying auto insurance from a different company.
  • High numbers of claims are not good – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Companies award better rates to policyholders who do not file claims often. Auto insurance is meant to be used in the event of larger claims.
  • Do you need those extra coverages? – There are a ton of add-on coverages that you can get tricked into buying when buying auto insurance. Things like personal injury protection, accidental death and motor club memberships may be wasting your money. They may seem good initially, but if you don’t need them remove them from your policy.
  • Protect yourself with liability coverage – The liability section of your policy is the protection when you are found to be at fault for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Drive less and save money – The more you drive every year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance policy properly reflects the correct driver usage. Incorrect usage on your Cooper Clubman may be wasting your money.
  • Safe vehicles cost less to insure – Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If the MINI Cooper Clubman has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Do I need special coverages?

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Do I really need UM/UIM coverage?
  • Am I covered if I wreck a rental car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What if I owe more than I can insure my car for?
  • Is rental equipment covered for theft or damage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need replacement cost coverage on my 2014 MINI Cooper Clubman?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if I break a side mirror?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Do you really save 40% when you switch?

Drivers get pounded daily by advertisements for car insurance savings by State Farm, Allstate and Geico. They all seem to make the same claim about savings after switching to their company.

How can each company say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that makes them money. An example of a driver they prefer could be over the age of 40, has no prior claims, and has a short commute. Any driver who meets those qualifications gets the lowest rates and as a result will probably save when switching.

Potential insureds who fall outside the requirements will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully make the claims of big savings. This emphasizes why you should get quotes from several different companies. You cannot predict which insurance coverage company will give you the biggest savings on MINI Cooper Clubman insurance.

Auto insurance coverages explained

Understanding the coverages of auto insurance aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on most auto insurance policies.

Liability coverage

This provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like loss of income, pain and suffering and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses for ambulance fees, doctor visits and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your MINI Cooper Clubman.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

A tidy conclusion

In this article, we presented a lot of techniques to reduce 2014 MINI Cooper Clubman insurance prices online. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Affordable insurance is possible both online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

More information can be read at the links below