2013 MINI Cooper Clubman Insurance Quotes – 9 Tricks for Cheaper Rates

Want cheaper insurance rates for your MINI Cooper Clubman? Nobody I know looks forward to buying insurance, especially knowing their premiums are through the roof.

Companies like State Farm and Geico promote their brand names with ads and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

Lots of discounts mean lots of savings

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be inquired about prior to getting the savings.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Multiple Cars – Having all your vehicles with the same company qualifies for this discount.
  • Save over 55 – Older drivers may qualify for better insurance rates on Cooper Clubman coverage.
  • Student in College – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Cooper Clubman coverage than less cautious drivers.
  • Drive Less and Save – Driving fewer miles could qualify for a substantially lower rate.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.

Keep in mind that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free insurance policy, companies wouldn’t make money that way. But any discount will help reduce your premiums.

Companies that may have these discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts may not be available in your state.

Situations that might require an agent

When choosing the best auto insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different so your insurance should reflect that These are some specific questions might help in determining if your situation might need professional guidance.

  • Will my rates increase for filing one claim?
  • Am I covered if I wreck a rental car?
  • Which companies will insure high-risk drivers?
  • Am I better off with higher deductibles on my 2013 MINI Cooper Clubman?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I afford to buy a different vehicle if my 2013 MINI Cooper Clubman is totaled?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Coverage specifics

Understanding the coverages of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for X-ray expenses, rehabilitation expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for liability

Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical services, emergency aid, court costs, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Auto collision coverage

This will pay to fix damage to your Cooper Clubman resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, falling objects and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your MINI Cooper Clubman.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

More quotes. Lower rates.

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. Too many times, drivers have reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the best price, not the least amount of coverage.

We covered a lot of techniques to compare 2013 MINI Cooper Clubman insurance prices online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even discover the lowest rates come from a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, Geico and Nationwide.

Much more information about auto insurance is available on the following sites: