2014 MINI Cooper Car Insurance Cost – 9 Tricks for Best Prices
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UPDATED: May 11, 2022
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Searching for the cheapest car insurance rates? Consumers have lots of choices when looking for affordable MINI Cooper insurance. You can either spend your time struggling with agents trying to get quotes or save time using the internet to get rate quotes. There are both good and bad ways to buy car insurance so you’re going to learn the best way to price shop coverage for a MINI and locate the lowest possible price either online or from local insurance agents.
Finding affordable coverage is not that difficult. If you currently have car insurance, you should be able to reduce your rates substantially using these tips. Drivers just need to understand the proper methods to get comparison rates on the web.
Comprehensive Insurance Coverage Comparison
Finding a better price on insurance coverage can be quick and easy. You just need to take time comparing rate quotes online with multiple companies. This can be accomplished in a couple of different ways.
The easiest and least time consuming way to get the best comparison quotes is a comparison rater form (click to open form in new window). This method prevents you from having to do repetitive form submissions for each company you want a rate for. One form will return quotes from many national carriers. It’s definitely the quickest method.
A more difficult way to get quotes online requires a trip to each individual company website to complete a price quote. For instance, we’ll assume you want to compare USAA, GEICO and Progressive. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.
However you get your quotes, make absolute certain that you use apples-to-apples coverages with every price quote. If the quotes have different liability limits you can’t possibly find the best deal for your MINI Cooper.
Take these nine discounts and save
Companies that sell car insurance do not list every available discount in a way that’s easy to find, so here is a list some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount you deserve, you are throwing money away.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Cooper coverage than drivers with accidents.
- Accident Waiver – A handful of insurance companies permit an accident without raising rates if you are claim-free for a certain period of time.
- Defensive Driving Course – Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
- Good Students Pay Less – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
- Distant Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
- New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
- Homeowners Discount – Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, you’re out of luck.
A partial list of companies that possibly offer these discounts include:
Double check with each company which discounts they offer. All car insurance discounts may not be available in your state.
Which policy gives me the best coverage?
When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.
For instance, these questions might point out whether you would benefit from professional advice.
- Is business property covered if stolen from my car?
- When should I remove comp and collision on my 2014 MINI Cooper?
- Should I buy additional glass protection?
- Am I covered if I crash into my own garage door?
- When do I need to add a new car to my policy?
- How do I buy GAP insurance?
If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.
Coverages available on your insurance policy
Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.
Auto collision coverage
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as hitting a parking meter, driving through your garage door, colliding with a tree, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your MINI Cooper.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, nursing services, X-ray expenses and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things like damage from getting keyed, hitting a bird, a tree branch falling on your vehicle, rock chips in glass and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Liability insurance can cover injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
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. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability coverage protects against claims such as emergency aid, legal defense fees, repair bills for other people’s vehicles, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.
Get your money’s worth
Cheap 2014 MINI Cooper insurance is available on the web as well as from independent agents, and you need to price shop both to have the best rate selection. Some auto insurance companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.
Insureds who switch companies do it for a variety of reasons including poor customer service, being labeled a high risk driver, questionable increases in premium or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new company can be easier than you think.
When shopping online for auto insurance, you should never buy less coverage just to save a little money. There have been many cases where an insured dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
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