2018 MINI Clubman Insurance Quotes – 6 Policy Discounts

Trying to find cheaper insurance coverage rates for your MINI Clubman? No normal person enjoys paying for insurance coverage, especially when they know they could get a better deal. Drivers have so many auto insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, having more auto insurance companies makes it harder to compare rates and find the lowest cost insurance coverage.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Vehicle owners just need to understand the proper methods to shop for auto insurance on the web.

Compare auto insurance quotes

There are a lot of ways to compare auto insurance quotes, and some are less time-consuming than others. You could spend the better part of a day talking to local insurance agents in your area, or you could use the web to get rates in a matter of minutes.

Most car insurance companies are enrolled in a marketplace where prospective buyers submit their information once, and at least one company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions to each company.

To find out how much you can save on auto insurance click here (opens in new window).

The one downside to using this type of form is buyers cannot specifically choose which companies to get pricing from. So if you want to select from a list of companies to compare prices, we put together a list of low cost auto insurance companies in your area. Click here to view list.

However you get your quotes, make sure you are using apples-to-apples deductibles and coverage limits with each company. If you enter different values for each quote it will be nearly impossible to determine the best price for your MINI Clubman.

Save money by taking advantage of these six discounts

Companies offering auto insurance do not list all their discounts very clearly, so the below list has both well-publicized and also the more inconspicuous discounts that you may qualify for.

  • Low Mileage Discounts – Keeping the miles down on your MINI may allow you to get slightly better car insurancerates than normal.
  • Active Service Discounts – Being on active duty in the military may lower your prices slightly.
  • Government Employees – Active or former government employment could cut as much as 10% off on Clubman insurance depending on your car insurance provider.
  • No Charge for an Accident – Not a discount per se, but certain companies will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to being involved in the accident.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Theft Deterent System – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and can earn a small discount on your policy.

Don’t be surprised that many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you aren’t that lucky.

A few popular companies and some of their more popular discounts are:

  • State Farm includes discounts for multiple policy, defensive driving training, student away at school, good driver, Drive Safe & Save, good student, and anti-theft.
  • Liberty Mutual offers discounts including new move discount, good student, exclusive group savings, new graduate, teen driver discount, hybrid vehicle, and new vehicle discount.
  • American Family discounts include good driver, bundled insurance, TimeAway discount, accident-free, and defensive driver.
  • Progressive offers discounts for multi-policy, good student, online quote discount, continuous coverage, multi-vehicle, online signing, and homeowner.
  • Farmers Insurance policyholders can earn discounts including business and professional, youthful driver, switch companies, distant student, good student, multi-car, and early shopping.
  • Auto-Owners Insurance may include discounts for air bags, good student, paperless, paid in full, group or association, anti-lock brakes, and company car.
  • SAFECO has savings for multi-car, anti-lock brakes, teen safety rewards, safe driver, and homeowner.

Before buying, ask all the companies how many discounts you can get. Depending on the company, some discounts might not be offered in every state.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover whether or not you would benefit from professional advice.

  • Is my teen driver covered when they drive my company car?
  • Is there coverage for injuries to my pets?
  • Do I need motorclub coverage?
  • What is the rate difference between pleasure use and commuting?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my 2018 MINI Clubman qualify for pleasure use?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Auto insurance policy specifics

Learning about specific coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

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

Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive auto insurance – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, damage from a tornado or hurricane and hail damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your MINI Clubman.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability – Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, pain and suffering, loss of income, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like ambulance fees, rehabilitation expenses, X-ray expenses, doctor visits and dental work. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as 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

Have money to burn

You just read many tips how you can get a better price on 2018 MINI Clubman insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. You may even discover the lowest premium rates come from a small local company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured cut comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage at a price you can afford.

More affordable insurance coverage can be purchased on the web and from local insurance agents, so get free auto insurance quotes from both of them to have the best rate selection. Some insurance providers do not offer rate quotes online and most of the time these small, regional companies only sell coverage through local independent agencies.

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