2015 MINI Cooper Countryman Insurance Quotes – 6 Savings Tips

Tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than many other consumers. With so many different company options, it can be hard to choose the right provider.

Discounts can save BIG

Companies do not list all available discounts very well, so the following is a list of both well-publicized as well as the least known discounts you could be receiving. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on Cooper Countryman coverage.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Cooper Countryman coverage than less cautious drivers.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Cooper Countryman coverage with select insurance companies.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because of the fact that having a home requires personal responsibility.
  • Multi-car Discount – Insuring more than one vehicle on the same insurance coverage policy could earn a price break for each car.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Car insurance companies that may offer these benefits are:

Double check with each company which discounts they offer. Discounts might not apply in your state.

Drivers who switch save $473 a year? Really?

Drivers constantly see and hear ads for car insurance savings from companies such as State Farm, Allstate and Geico. They all seem to make the same claim of big savings if you switch your policy.

But how can every company say the same thing?

All the different companies can use profiling for the type of customer that earns them a profit. For example, a profitable customer might be profiled as a mature driver, has no tickets, and has a short commute. A customer getting a price quote who matches those parameters will get very good rates and therefore will save quite a bit of money when switching.

Drivers who do not match these standards will have to pay higher prices which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “people who quote” save money. That’s the way insurance companies can make the claims of big savings. Because of the profiling, you absolutely need to get quotes from several different companies. You cannot predict which company will have the lowest MINI Cooper Countryman insurance rates.

Will just any policy work for me?

When it comes to buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions could help you determine if your situation will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • Should I carry comprehensive and collision coverage?
  • Is my custom paint covered by insurance?
  • Will filing a claim cost me more?
  • Is my babysitter covered when using my vehicle?
  • Should I buy full coverage?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like doctor visits, nursing services and rehabilitation expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage will pay to fix damage to your Cooper Countryman from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, driving through your garage door, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability auto insurance

This protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $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 attorney fees, repair costs for stationary objects, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, damage from flooding and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Shop around and save

Affordable 2015 MINI Cooper Countryman insurance can be found online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance coverage companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In many cases, someone sacrificed comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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