2014 MINI Cooper Roadster Insurance Quotes

Shoppers have many options when shopping for low-cost MINI Cooper Roadster insurance. They can either spend hours driving around getting price quotes or utilize the internet to make rate comparisons. There are both good and bad ways to shop for car insurance and we’ll show you the absolute fastest way to quote coverages for a new or used MINI and obtain the lowest price either online or from local insurance agents.

It is always a good idea to shop coverage around yearly because prices go up and down regularly. Even if you got the best deal on Cooper Roadster insurance two years ago you can probably find a better price now. Forget all the misinformation about car insurance because you’re about to find out the best way to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Vehicle owners only need to know the most effective way to compare price quotes on the web.

How to Get Car Insurance Comparison Quotes

Getting better 2014 MINI Cooper Roadster car insurance pricing is not rocket science. All that’s required is to invest a little time to compare quotes online from several insurance companies. This can be done using a couple different methods.

  1. Probably the best way to get the best comparison quotes is a comparison rater form click to view form in new window. This type of form prevents you from having to do separate quotes for each company you want a rate for. In just a few minutes this one form will return price quotes instantly. This is by far the quickest method.
  2. A less efficient way to obtain and compare quotes online consists of visiting each company’s website and request a quote. For example, we’ll pretend you want comparison quotes from Progressive, Geico and GMAC. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples deductibles and coverage limits with every price quote. If the quotes have mixed coverages it will be impossible to determine the lowest rate for your MINI Cooper Roadster.

These discounts can slash insurance coverage rates

Car insurance companies don’t always list all available discounts in an easy-to-find place, so we researched both the well known as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Cooper Roadster insurance with a few insurance coverage companies.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Homeowners Savings – Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.

Consumers should know that some credits don’t apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you’re out of luck.

To see a list of companies who offer insurance coverage discounts, click this link.

Factors that can influence insurance rates for a MINI Cooper Roadster

It’s important that you understand the factors that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to big savings.

Shown below are some of the factors that factor into prices.

  • Credit scores impact auto insurance rates – Your credit history is a big factor in determining what you pay for auto insurance. Therefore, if your credit rating is not that good, you could be paying less to insure your 2014 MINI Cooper Roadster by repairing your credit. People with good credit tend to be more responsible than drivers with lower credit scores.
  • Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. These vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your MINI has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Do you need the policy add-ons? – There are a lot of additional coverages that can waste your money when buying auto insurance. Coverages for personal injury protection, accident forgiveness and membership fees may be costing you every month. They may seem like a good idea at first, but your needs may have changed so eliminate them to save money.
  • More miles equals more premium – The more miles you rack up on your MINI in a year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your auto insurance policy shows how each vehicle is driven, because it can save money. Incorrect usage on your Cooper Roadster can result in significantly higher rates.
  • Big city or small town – Residing in a rural area can be a good thing when insuring your vehicles. Drivers who live in large cities tend to have much more traffic and longer commute times. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Always keep insurance in force – Letting your insurance expire will be a guaranteed way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.

When might I need the advice of an agent?

When it comes to buying the best insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 2014 MINI Cooper Roadster is totaled?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why does it cost so much to insure a teen driver?
  • Are my friends covered when driving my 2014 MINI Cooper Roadster?
  • Does liability extend to a camper or trailer?
  • Am I covered when driving a rental car?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Understanding the coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists 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 2014 MINI Cooper Roadster.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses for funeral costs, pain medications and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

This protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. 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.

Auto collision coverage

This coverage pays for damage to your Cooper Roadster resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive car insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, vandalism, damage from flooding and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Stretch your dollar

Cheap 2014 MINI Cooper Roadster insurance is available from both online companies and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Consumers who switch companies do it for a variety of reasons including policy non-renewal, delays in paying claims, poor customer service or denial of a claim. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

You just learned a lot of ways to lower your insurance rates. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the lowest premiums are with a small mutual company.

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