View 2017 MINI Hardtop Insurance Rates

Looking for the cheapest auto insurance rates for your MINI Hardtop? Are you drained from not being able to scrape enough together to make your auto insurance payment? You have the same problem as many other drivers. Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurer and get the definite lowest price

First Step: Get free car insurance quotes

There are a lot of ways to shop for car insurance, and some are less time-consuming than others. You could spend your day talking to agents in your area, or you could use the web to get prices fast.

Many companies belong to an insurance system where prospective buyers complete one form, and at least one company provides a quote for coverage. This prevents consumers from doing quotation requests for each company. To compare pricing click here (opens in new window).

The one downside to comparing rates this way is that consumers can’t choose which providers you want to price. So if you want to choose individual companies to receive pricing from, we have a listing of low cost car insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure you’re using equivalent coverages on every quote. If you use different liability limits you can’t possibly determine which company has the best rates.

Your insurance coverage should be tailored to you

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation may require specific advice.

• Is my ex-spouse still covered by my policy?
• Does my personal policy cover me when driving out-of-state?
• Do I need replacement cost coverage on my 2017 MINI Hardtop?
• Do I need medical payments coverage since I have good health insurance?
• Does my medical payments coverage pay my health insurance deductible?
• If my pet gets injured in an accident are they covered?
• Should I bundle my homeowners policy with my auto?
• When can my company non-renew my policy?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Parts of your car insurance policy

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your MINI Hardtop.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

Collision coverage pays for damage to your Hardtop resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, a tree branch falling on your vehicle and theft. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like ambulance fees, dental work and pain medications. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like court costs, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but buy as much as you can afford.