2017 MINI Convertible Insurance Quotes

Trying to find cheaper car insurance rates for your MINI Convertible? If you are new to getting auto insurance quotes online, most likely you are bewildered due to the large number of local and online companies vying for business.

It’s a great practice to get comparison quotes quite often because prices change frequently. Even if you got the best rate on Convertible insurance last year other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the easiest way to remove unneeded coverages and save money.

Get affordable insurance with discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but a few need to be requested specifically before you get the savings.

  • College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and don’t have a car may qualify for this discount.
  • Homeowners Discount – Just owning your own home can get you a discount because maintaining a house requires a higher level of personal finance.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
  • 55 and Retired – If you qualify as a senior citizen, you can get lower premium rates on Convertible insurance.
  • Discounts for Multiple Vehicles – Buying coverage for all your vehicles with the same company qualifies for this discount.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
  • Bundled Policy Discount – When you combine your home and auto insurance and insure them with the same company you will save nearly 15% which can help you find cheaper auto insurance.
  • No Charge for an Accident – This one is not really a discount per se, but companies like Allstate, State Farm and Geico permit an accident before hitting you with a surcharge if you have no claims prior to being involved in the accident.
  • Discount for Low Mileage – Keeping the miles down on your MINI may enable drivers to earn discounted premium rates on garaged vehicles.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though it appears having all the discounts means you get insurance for free, you won’t be that lucky.

A few popular companies and some of the premium reductions they offer are outlined below.

  • Geico has discounts for driver training, emergency military deployment, air bags, defensive driver, seat belt use, federal employee, and five-year accident-free.
  • Auto-Owners Insurance discounts include paid in full, multi-policy, air bags, safe vehicle, anti-lock brakes, and paperless.
  • American Family policyholders can earn discounts including early bird, bundled insurance, good driver, Steer into Savings, and TimeAway discount.
  • Esurance may offer discounts for safety device, paid-in-full, homeowner, Pac-12 alumni, DriveSense, and claim free.
  • Progressive includes discounts for multi-vehicle, online quote discount, continuous coverage, online signing, homeowner, good student, and multi-policy.
  • State Farm offers premium reductions for good student, student away at school, accident-free, passive restraint, Drive Safe & Save, defensive driving training, and multiple policy.
  • AAA has savings for multi-policy, good driver, education and occupation, multi-car, good student, and anti-theft.

If you need lower rates, check with each insurance company which discounts they offer. Discounts may not be offered in your state. To choose providers that offer the discounts shown above, click here.

Cheap insurance coverage quotes online

Most companies provide prices for coverage online. Doing online quotes is quite simple as you simply type in the coverages you want into the quote form. Behind the scenes, their rating system gets reports for credit and driving violations and provides a quote based on the information you submitted.

This makes it easy to compare insurance prices but the time it takes to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s also necessary to have as many quotes as possible in order to find the best price possible.

The easiest way to locate the lowest prices makes use of a single form that gets price quotes from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online price comparison much easier to do. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It can be completed in a matter of minutes and may save quite a bit of money.

To save time and find out how much you can save on insurance coverage, click here and fill out the form. If you have a policy now, it’s recommended you input the coverage information identical to your current policy. Doing this assures you’re receiving a price comparison based on similar coverages.

Components of your MINI Convertible insurance premiums

Multiple criteria are used in the calculation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are less obvious like your continuous coverage or your financial responsibility.

  • Liability coverage – Liability insurance is the protection if ever a jury decides you are liable for damages from an accident. Liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Raising deductibles lowers prices – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your MINI. Examples of covered claims are a dented fender, hitting a deer, and having your car stolen. The deductibles you choose define the amount you are willing to pay if the claim is covered. The more expense the insured is willing to pay, the less money you will pay for insurance on Convertible insurance.
  • Keep premiums low by being claim-free – Auto insurance companies give better rates to insureds who only file infrequent claims. If you are a frequent claim filer, you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is intended for claims that you cannot pay yourself.
  • Battle of the sexes – The statistics show women are more cautious behind the wheel. This data doesn’t prove that females are better at driving than males. Females and males have fender benders at a similar rate, but men cause more damage. Men also have more aggressive citations like driving under the influence (DUI).
  • Younger drivers cost more – Mature drivers are shown to be more cautious, tend to file fewer claims , and usually have better credit.Beginning drivers are statistically shown to be inattentive and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

  • How much liability insurance is required?
  • How many claims can I have before being cancelled?
  • Why am I required to get a high-risk car insurance policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if I hit my neighbor’s mailbox?
  • I have health insurance so do I need medical payments coverage?
  • What is UM/UIM insurance?
  • When should I buy a commercial auto policy?
  • What is the rate difference between pleasure use and commuting?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Can you really save that much by switching?

Popular insurance providers such as State Farm, Allstate and Geico constantly bombard you with television and radio advertisements. All the companies say the same thing that you’ll save big after switching your insurance coverage to their company. How can each company cost less than your current company? This is the trick they use.

Companies give the cheapest rates for the type of insured that will not have excessive claims. One example of this type of insured might have to be married and over the age of 30, has a clean driving record, and the vehicle is rated for pleasure use. A propective insured that meets those criteria will most likely get cheap car insurance rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t measure up to the ideal profile will see a more expensive rate and ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” save that much money. That is how insurance companies can confidently state the savings.

This really emphasizes why you really should quote coverage with many companies. Because without a comparison, you cannot know with any certainty which company will be your best fit.

Insurance coverage basics

Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for things like chiropractic care, rehabilitation expenses, dental work, funeral costs and surgery. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverages – This coverage pays for damage to your Convertible caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for liability – This coverage provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, bail bonds, loss of income and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, theft and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Stretch your dollar

We just covered many ideas to reduce 2017 MINI Convertible insurance prices online. The key concept to understand is the more quotes you get, the higher your chance of finding cheaper auto insurance. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

People who switch companies do it for a number of reasons such as policy cancellation, being labeled a high risk driver, policy non-renewal and even unfair underwriting practices. It doesn’t matter why you want to switch finding a new car insurance company is less work than it seems.

When getting auto insurance quotes online, do not skimp on coverage in order to save money. In too many instances, drivers have reduced liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.

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