Save on 2014 MINI Cooper Clubman Insurance Quotes

No one in their right mind looks forward to buying insurance, particularly when they are paying too much. There are many car insurance companies to buy insurance from, and although it’s nice to be able to choose, so many choices can make it hard to locate the cheapest rates.

It’s important to compare rates on a regular basis since rates are adjusted regularly by insurance companies. Just because you found the best rates for Cooper Clubman insurance a few years ago you can probably find a better price now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the easiest way to eliminate unnecessary coverages and save money.

Finding affordable coverage is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you can use these techniques to reduce the price you pay and possibly find even better coverage. Drivers only need to know the tricks to compare company rates online.

Pieces of the MINI Cooper Clubman insurance rate puzzle

Consumers need to have an understanding of the different types of things that help determine car insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with big savings.

  • Teen drivers pay high rates – Older insureds are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers have a tendency to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
  • Your credit rating is important – Having a bad credit rating is a huge factor in determining what you pay for car insurance. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower ratings. Therefore, if your credit rating can use some improvement, you could pay less to insure your 2014 MINI Cooper Clubman by improving your rating.
  • Discounts for multiple policies – Many car insurance companies will give a discount to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, you still need to comparison shop to verify if the discount is saving money. You may still find better rates by buying car insurance from a different company.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. These vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your MINI Cooper Clubman scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Pay less for MINI Cooper Clubman insurance

Car insurance companies don’t always advertise every available discount very well, so here is a list both well-publicized and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you are throwing money away.

  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Cooper Clubman insurance with select insurance companies.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Student in College – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Own a Home – Simply owning a home can save you money because owning a home requires personal responsibility.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.

Consumers should know that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

A partial list of companies that may have some of the above discounts are:

Double check with every prospective company which discounts you may be entitled to. Savings might not apply everywhere.

Car insurance ads bend the truth

Consumers constantly see and hear ads for car insurance savings by Progressive, Allstate and Geico. All the companies say the same thing of big savings after switching to their company.

But how can every company make the same claim?

All companies are able to cherry pick for the type of customer they prefer to insure. For instance, a profitable customer might be between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will save when switching.

Potential insureds who do not match this ideal profile will have to pay higher rates and ends up with business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently state the savings. Because of the profiling, it’s extremely important to get a wide range of price quotes. It’s not possible to predict which car insurance company will fit your personal profile best.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions might help in determining if you will benefit from professional help.

  • I have a DUI can I still get coverage?
  • Do I have coverage if my license is suspended?
  • Should I carry comprehensive and collision coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I pay less for low miles?
  • What if I don’t agree with a claim settlement offer?
  • Do I need medical payments coverage since I have good health insurance?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Auto insurance coverages 101

Understanding the coverages of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on the average auto insurance policy.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, driving through your garage door, scraping a guard rail, sideswiping another vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your MINI Cooper Clubman.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, hitting a bird, vandalism and damage from flooding. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

This coverage protects you from damage or injury you incur to other’s property or people in 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 per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, repair costs for stationary objects, medical services and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses like chiropractic care, prosthetic devices, surgery and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

One last thing

As you shop your coverage around, you should never reduce needed coverages to save money. There are too many instances where consumers will sacrifice physical damage coverage only to find out they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.

We’ve covered a lot of ways to get a better price on 2014 MINI Cooper Clubman insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from the smaller companies. Some small companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

Additional detailed information can be read in the articles below: