2014 MINI Cooper Clubman Insurance Cost – 5 Tips to Save

Trying to find better insurance coverage rates for your MINI Cooper Clubman? Pricey insurance coverage can drain your savings account and require stricter spending habits. Comparing cost estimates can save money and help to make sure you’re not throwing money away.

Lots of insurance companies contend for your insurance dollar, and it can be difficult to compare rates to find the lowest rate possible.

It’s a good habit to take a look at other company’s rates once or twice a year since insurance rates are usually higher with each renewal. Despite the fact that you may have had the best premium rates on Cooper Clubman insurance two years ago a different company probably has better prices today. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the proper way to properly buy coverages and cut your premium.

How to get insurance price quotes

There are multiple methods to shop for insurance, but some are less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to achieve your goal.

Many insurance companies participate in a marketplace that enables customers to submit their information once, and every company returns a competitive quote for coverage. This saves time by eliminating repetitive form submissions to each company.

To compare pricing click here to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose the companies you want to price. So if you want to choose from a list of companies to request quotes from, we have a page of companies who write insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just do your best to use nearly identical coverage limits and deductibles on every quote. If you are comparing different limits and deductibles on each one it will be impossible to find the best deal for your MINI Cooper Clubman. Slightly different coverage limits may cause a big price difference. Just keep in mind that quoting more increases your odds of finding a lower rate. Not every company provides rate quotes online, so it’s important to also get rates from those companies as well.

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Earn discounts to get lower-cost car insurance quotes

Insurance can be prohibitively expensive, but you might already qualify for some discounts to reduce the price significantly. Certain reductions will be credited when you complete an application, but lesser-known reductions have to be specially asked for prior to getting the savings.

• Early Signing – Some car insurance companies provide a discount for buying a policy before your current coverage expires. You may see this discount when you get car insurance quotes online.
• Student in College – Children who live away from home at college and won’t have access to an insured vehicle could get you a discount.
• Government Employees – Employees or retirees of the government could cut as much as 10% off on Cooper Clubman insurance with certain companies.
• Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Own a Home – Being a homeowner can earn you a little savings because owning a home demonstrates responsibility.

A quick disclaimer, most discounts do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride. But all discounts should help lower the premium cost.

Some of the insurance companies that may offer policyholders many of the previously listed discounts include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

When getting free car insurance quotes, it’s a good idea to each company or agent the best way to save money. A few discounts may not be offered in your state. If you would like to choose from a list of insurance companies with significant discounts, click here.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Do I need motorclub coverage?
• Will filing a claim cost me more?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I need rental car coverage?
• Am I covered when delivering products for my home-based business?
• Is pleasure use cheaper than using my 2014 MINI Cooper Clubman to commute?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Buyer beware of auto insurance advertising tricks

Companies like Allstate and Progressive endlessly run ads on TV and radio. All the companies say the same thing that people will save if you move your auto insurance coverage to their company. Is it even possible that every company can give you a lower rate? Here is how they do it.

Many companies have specific criteria for the type of driver that will most likely be profitable. For instance, a preferred risk could be between 25 and 40, carries high limits, and drives a safe vehicle. A propective insured who matches that profile will get low rates and will probably save a lot of money.

Potential customers who don’t meet these criteria will be charged higher premium rates and this can result in the driver buying from a lower-cost company. If you pay attention, the ads say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why companies can make those claims.

Each company has different criteria, so you really need to get car insurance quotes from several different companies. It’s just too difficult to predict with any certainty which company will have the best car insurance rates at this point in time.

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Specific coverage details

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by auto insurance companies.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2014 MINI Cooper Clubman.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection

This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, hitting a bird and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, funeral costs, nursing services, surgery and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability car insurance

Liability insurance protects you from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

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. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, bail bonds, funeral expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This coverage pays for damage to your Cooper Clubman caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Smart consumers save more

We just showed you some good ideas how to save on 2014 MINI Cooper Clubman insurance. It’s most important to understand that the more companies you get prices for, the higher the chance of saving money. You may be surprised to find that the most savings is with a small local company. They can often provide lower prices in certain areas compared to the large companies like State Farm, Geico and Nationwide.

A few companies may not provide online price quotes and most of the time these small, regional companies provide coverage only through independent agents. More affordable car insurance is attainable on the web in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

When shopping online for car insurance, never buy less coverage just to save a little money. There are a lot of situations where someone dropped full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

Additional detailed information is available in the articles below:

• Collision Insurance Coverage (Nationwide)
• Distracted Driving (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Collision Coverage (Liberty Mutual)

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