Lower Your 2018 MINI Convertible Car Insurance Quotes

Want better car insurance rates for your MINI Convertible? Having to pay for expensive MINI Convertible insurance can bleed your checking account and force you to make tough financial choices. Doing a rate comparison is an excellent way to lower your bills every month.

Companies like Geico and Progressive constantly bombard you with ad campaigns and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

Consumers need to get comparison quotes quite often because insurance prices change regularly. Despite the fact that you may have had the best deal on Convertible insurance last year you will most likely find a better rate quote today. Forget all the misinformation about car insurance because you’re about to find out the right way to find better coverage at a better price.

If you have a policy now or are looking for a new policy, you can learn to reduce the price you pay and possibly find even better coverage. Buying car insurance is not rocket science. Vehicle owners only need an understanding of the tricks to find the lowest price online.

Affordable car insurance

Finding a lower price on 2018 MINI Convertible insurance is not a difficult process. All that’s required is to spend a few minutes on the computer comparing rate quotes from some recommended companies. Rate comparisons can be done using one of these methods.

1. One of the simplest ways to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing multiple quote forms for every company. A single, simple form gets you price quotes from several companies.
2. A slightly less efficient method to get comparison quotes requires you to visit each individual company website and repeat the quote process again and again. For sake of this example, we’ll assume you need rates from Progressive, Geico and Allstate. To get each rate you have to visit each site to enter your coverage information, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

Whichever method you choose, be certain you are entering exactly the same coverages and limits on every quote you get. If you use different coverage information you will not be able to truly determine the lowest rate.

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Why you might pay increased rates

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that come into play when calculating your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that could result in lower premium levels. Lots of factors are taken into consideration when premium rates are determined. Some are pretty understandable such as your driving record, but other factors are less apparent like your continuous coverage or your financial responsibility.

Listed below are some of the major factors auto insurance companies consider when setting rates.

• When should you file a claims? – If you are a frequent claim filer, don’t be surprised to see either higher rates or even cancellation. Insurance companies generally give the best rates to policyholders that do not abuse their auto insurance. Insurance coverage is intended for the large, substantial claims.
• Liability coverage claims can be big – The liability coverage on your policy will protect you when a jury decides you are liable for causing damage or personal injury in an accident. It provides for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
• Lower rates with a multi-policy discount – Most larger insurance companies give discounts to people who buy several policies from them. It’s known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even though this discount sounds good, consumers should still get quotes from other companies to guarantee you are still saving the most.
• Your car’s features help determine premiums – Purchasing a vehicle with anti-theft technology or alarm system can save you some money. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft.
• Having a spouse equates to better prices – Being married may earn you lower rates when shopping for auto insurance. Marriage demonstrates that you tend to be more mature and responsible and statistics show drivers who are married file infrequent claims.
• Where you reside can influence premiums – Being located in less populated areas of the country can save you money when buying auto insurance. Fewer people means less chance of accidents and also fewer theft and vandalism claims. People who live in big cities have more road rage incidents and more severe claims. More time commuting means more chances of being involved in an auto accident.
• Men pay more for insurance coverage – Statistics demonstrate women are more cautious behind the wheel. It does not mean women are BETTER drivers than men. Both sexes are responsible for accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Young males cause the most accidents and therefore have the most expensive auto insurance rates.

Discount auto insurance quotes

Some companies don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find some of the more common and the more hidden credits available to lower your premiums when you buy auto insurance online. If you do not double check each discount possible, you are throwing money away.

• Life Insurance – Larger auto insurance companies have a discounted premium rate on car insurance if you buy life insurance.
• Safe Driver Discount – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote on Convertible insurance compared to rates paid by drivers with frequent claims.
• Accident Free – Good drivers with no accidents can earn big discounts as opposed to accident-prone drivers.
• Government Employees – Having worked for a branch of the government could cut as much as 10% off on Convertible insurance depending on your company.
• Renewal Discounts – Some insurance companies provide a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy. But all discounts will help lower your policy premium.

Companies that possibly offer these money-saving discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you are trying to find affordable auto insurance quotes, ask each company or agent which discounts they offer. Some credits may not apply to policyholders in your area. To choose auto insurance companies with the best auto insurance discounts, click here.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

• Should I buy more coverage than the required minimum liability coverage?
• Where can I get insurance after a DUI in my state?
• Is my trailer covered?
• I don’t drive much so do I pay less?
• Am I covered if I hit a deer?
• Does my 2018 MINI Convertible qualify for pleasure use?
• Should I sign the liability waiver when renting a car?
• Should I buy additional glass protection?
• How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

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Insurance coverage basics

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Coverage for uninsured or underinsured drivers – This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers 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 is important protection for you and your family.

Liability coverages – Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims like emergency aid, medical services, legal defense fees, structural damage and court costs. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, hitting a deer, damage from flooding, a tree branch falling on your vehicle and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for pain medications, nursing services, rehabilitation expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

The bottom line

Lower-priced 2018 MINI Convertible insurance can be found on the web and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and usually these smaller providers only sell coverage through independent agents.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced collision coverage and found out when filing a claim that they should have had better coverage. The goal is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

To read more, take a look at the resources below:

• Side Impact Crash Tests (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)
• Older Drivers FAQ (iihs.org)
• Airbag FAQ (iihs.org)

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