2012 MINI Cooper Car Insurance Rates

Are you tired of sacrificing other expenses each month for car insurance? You are no different than millions of other drivers.

Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies to discover the definitive lowest price

These discounts can lower your auto insurance rates

The cost of insuring your cars can be expensive, but you may be missing some discounts to help bring down the price. Many discounts should be triggered when you get a quote, but a few must be asked for prior to getting the savings.

• Seat Belts Save – Using a seat belt and requiring all passengers to buckle up can save 10% or more on medical payment and PIP coverage.
• Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance on Cooper coverage with some auto insurance companies.
• Safety Course Discount – Taking a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
• Low Mileage Discounts – Low annual miles may enable drivers to earn lower premium rates due to less chance of an accident.
• Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your insurance quote.

It’s important to note that some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, that’s just not realistic. But all discounts will definitely reduce your premiums.

Companies and some of the discounts are outlined below.

• Progressive offers discounts including online signing, multi-vehicle, continuous coverage, multi-policy, homeowner, online quote discount, and good student.
• The Hartford may include discounts for vehicle fuel type, anti-theft, driver training, air bag, good student, bundle, and defensive driver.
• Mercury Insurance discounts include ease of repair, anti-theft, good driver, multi-car, type of vehicle, annual mileage, and location of vehicle.
• Geico may have discounts that include multi-vehicle, five-year accident-free, driver training, air bags, good student, and military active duty.
• AAA may offer discounts for good student, good driver, anti-theft, multi-car, multi-policy, and AAA membership discount.
• State Farm policyholders can earn discounts including multiple policy, student away at school, safe vehicle, Drive Safe & Save, and multiple autos.

It’s a good idea to ask all the companies what discounts are available to you. Some discounts listed above might not apply in every state. If you would like to see a list of insurers that offer the discounts shown above, click here.

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Different people need different insurance coverages

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover whether your personal situation could use an agent’s help.

• Can I still get insurance after a DUI?
• Am I covered if I crash into my own garage door?
• What exactly is covered by my policy?
• Am I covered if I hit a deer?
• Is motorclub coverage worth it?
• What is the rate difference between pleasure use and commuting?
• Do I need replacement cost coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance in the media

Car insurance companies such as Allstate and Progressive regularly use ads on TV and radio. All the companies convey the message of big savings just by moving to them. It sounds good, but how can they all lower your rates? It’s all in how they say it.

Insurance providers can use profiling for the type of customer that will most likely be profitable. For instance, this type of driver could possibly be between 30 and 50, is a homeowner, and insures a new vehicle. A driver who matches those parameters will most likely get cheap premium rates and have a good chance to save a lot if they switch.

Insureds who do not meet those criteria may be forced to pay a higher premium and this can result in the customer buying from a different company. The trick is to say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That’s the way companies can make claims that they all have the best premium rates. This really emphasizes why drivers must quote coverage with many companies. Because you cannot predict which car insurance company will give you the biggest savings.

Auto insurance coverage options for a MINI Cooper

Understanding the coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average auto insurance policy.

Collision coverages – This will pay to fix damage to your Cooper resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, sideswiping another vehicle, crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from getting keyed, hail damage and falling objects. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage – This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your MINI Cooper.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like hospital visits, funeral costs and surgery. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability – Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as funeral expenses, bail bonds, emergency aid, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

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Feed the piggy bank

We just presented many tips how you can save on 2012 MINI Cooper insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest rates come from some of the smallest insurance companies. Regional companies may only write in your state and offer lower car insurance rates than their larger competitors like State Farm and Allstate.

Some insurance providers do not offer the ability to get quotes online and these small, regional companies sell through local independent agents. Cost effective 2012 MINI Cooper insurance is possible online as well as from independent agents, and you need to comparison shop both to get a complete price analysis.

More information can be read at these links:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)

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