2011 MINI Cooper Insurance Quotes – 10 Savings Tips

Want better car insurance rates for your MINI Cooper? Overpriced MINI Cooper insurance can overdraw your savings account and force you to cut corners elsewhere. Getting a rate comparison is an excellent way to make ends meet.

Many auto insurance companies compete for your business, so it’s not easy to compare every insurer to discover the definitive lowest rate

Consumers need to take a look at other company’s rates at least once a year because car insurance prices go up and down regularly. Despite the fact that you may have had the lowest quotes on Cooper coverage last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current insurance coverage policy or are shopping for new coverage, you can learn to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Consumers just need to understand the proper way to get comparison rates over the internet.

Free insurance quotes

Reducing your 2011 MINI Cooper insurance rates is actually quite simple. You just need to take the time to compare rate quotes from some recommended companies. This can be accomplished using one of these methods.

1. The most recommended method to get quotes is a comparison rater form click to view form in new window. This form prevents you from having to do separate quotation requests for each company you want a rate for. One quote request gets rate comparisons direct from many companies.
2. A slightly less efficient method to compare prices is to manually visit the website of each company and complete a new quote form. For examples sake, we’ll pretend you are doing a rate comparison from Liberty Mutual, Progressive and Geico. To get rate quotes you would need to go to each individual site to enter your coverage information, which is why first method is reommended. To view a list of companies in your area, click here.
3. The least efficient and most time consuming way to comparison shop rate quotes is driving around to insurance agents’ offices. Comparing rates online can eliminate the need for a local agent unless you’re the type of person who wants the professional abilities that only a licensed agent can provide. If you prefer, some companies allow you to compare the best prices online but buy the policy through an agent.

You can use whichever method you prefer to find lower rates, just ensure you’re using the exact same coverage data for every quote you compare. If you use unequal deductibles or liability limits you can’t possibly make an equal comparison.

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But they said I’d save $391 a year!

Consumers can’t get away from ads that claim the best rates by companies like Geico, State Farm and Progressive. They all seem to convey the message that drivers can save some big amount if you move your auto insurance policy to them.

How does every auto insurance company sell you cheaper insurance coverage? Here is the trick they use.

Auto insurance companies require specific criteria for the type of driver that will add to their bottom line. An example of a profitable customer could be over the age of 50, has had continuous coverage, and does not commute to work. Any person that hits that “sweet spot” is entitled to the best price and will save when they switch companies.

Potential insureds who don’t qualify for the “perfect” profile will get higher premium rates and this can result in the customer not buying. If you pay attention, the ads say “people who switch” not “all people who quote” save the amount stated. That’s the way insurance companies can confidently make those claims.

Different companies use different criteria so you should quote coverage with many companies. It is impossible to predict which insurance companies will have the best rates for your profile.

Find discounts on insurance coverage

Some insurers don’t always list every policy discount very well, so below is a list a few of the more well known and the more hidden credits that may apply to you.

• Auto/Life Discount – Select insurance companies reward you with a discounted rate on car insurance if you buy a life insurance policy as well.
• Defensive Driver Discounts – Passing a course in defensive driver could save 5% or more and also improve your driving technique.
• Multi-Vehicle Discounts – Having primary and secondary vehicles on a single policy could earn a price break for each car.
• Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks for buying your policy over the internet.
• Smart Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts until age 25.
• Home Ownership Discount – Just owning your own home can help you save on insurance coverage because of the fact that having a home is proof of financial responsibility.
• Early Switch Discount – Some insurance companies provide a discount for signing up prior to your current policy expiration. It’s a savings of about 10%.
• Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
• Telematics Data Discounts – People who choose to allow driving data submission to look at where and when they drive by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they exhibit good driving behavior.
• Early Payment Discounts – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.

While discounts sound great, it’s important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

Auto insurance companies that have some of the above discounts may include but are not limited to:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

Double check with each company the best way to save money. Some of the earlier mentioned discounts may not be available in your area. If you would like to choose from a list of insurers with discount insurance coverage rates, click this link.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

• What is the ISO rating for a 2011 MINI Cooper?
• Am I covered when driving in Canada or Mexico?
• Is my state a no-fault state?
• If my pet gets injured in an accident are they covered?
• Do I pay less for low miles?
• When should my teen driver be added to my policy?
• Does my insurance cover my expensive audio equipment?
• Am I missing any policy discounts?
• Should I buy only the required minimum liability coverage?
• Do I have newly-aquired coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

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Car insurance policy coverages for a MINI Cooper

Knowing the specifics of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by car insurance companies.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2011 MINI Cooper.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision protection

This covers damage to your Cooper caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, hail damage, vandalism, damage from a tornado or hurricane and theft. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses for things like rehabilitation expenses, X-ray expenses and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage can cover damage that occurs to people or other property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Have the Midas touch

When shopping online for car insurance, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an insured cut uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at an affordable rate.

A few companies don’t offer price quotes online and most of the time these regional insurance providers provide coverage only through independent agents. Affordable 2011 MINI Cooper insurance is definitely available online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture.

Additional car insurance information can be found on the following sites:

• Property Damage Coverage (Liberty Mutual)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)

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