Save on 2016 MINI Cooper Countryman Insurance Cost

Trying to find lower insurance rates for your MINI Cooper Countryman? Are you kicking yourself for buying high-priced insurance? Believe me, there are many people just like you. You have so many insurers to buy insurance from, and although it’s a good thing to have a choice, too many choices makes it more difficult to locate the cheapest rates.

Buying car insurance is not rocket science. If you currently have car insurance, you will most likely be able to save some money using this information. Drivers just need to learn the most efficient way to shop their coverage around over the internet.

Insurance rate influencing factors

The best way to find cheaper car insurance is to take a look at some of the factors that play a part in calculating the level of your policy premiums. When you understand what impacts premium levels, this helps enable you to make changes that could help you find better car insurance rates.

  • Save money by having multiple policies – Most major car insurance companies afford better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can be 10 percent or more. If you currently are using one company, you may still want to get quotes from other companies to guarantee you are still saving the most.There is a good possibility that you can save money by buying insurance from more than one company.
  • If you don’t need it don’t buy it – There are quite a few extra bells and whistles that sound like a good idea at the time on your Cooper Countryman policy. Insurance for coverage for rental cars, better glass coverage, and motor club memberships may not be needed and are just wasting money. They may seem good when you first buy your policy, but your needs may have changed so remove them and pocket the money.
  • Pleasure use saves money – The higher the mileage driven each year the more you’ll pay to insure it. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Autos used primarily for pleasure use receive better premium rates than cars that get driven a lot. Having an incorrect usage rating on your Cooper Countryman may be wasting your money. Ask your agent if your car insurance coverage is showing annual mileage, because it can save money.
  • Theft deterrents systems cut prices – Choosing to buy a car that has a built-in theft deterrent system can save you some money. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft and help lower rates.
  • Being married can lower prices – Having a significant other may cut your premiums on your car insurance bill. It may mean you are more mature and responsible and it’s proven that married drivers tend to file fewer claims.
  • Does auto insurance cost less for gals? – Statistics have proven females are less aggressive when driving. This data doesn’t prove that females are better at driving than males. Both genders cause accidents at about the same rate, but the men have accidents that have higher claims. They also get higher numbers of serious violations like DUI and reckless driving.
  • Safeguard your assets with liability insurance – Liability insurance will provide protection if ever you are determined to be liable for damages from an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Affordable car insurance quotes

Cutting your car insurance rates is not a difficult process. All you need to do is invest a few minutes comparing price quotes online from several insurance companies. It’s super easy and can be done in a couple of different ways.

  • The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for a different quote for every prospective company. One form submission gets insurance cost estimates from multiple companies.
  • A more difficult way to get quotes online requires you to visit each company’s website to complete their respective quote request forms. For example, let’s say you want to get rates from Liberty Mutual, State Farm and American Family. In order to compare rates, you need to take the time to go to each site and enter your information, which explains why we recommend starting with the first method.

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

It’s your choice how you get your quotes, but double check that you are using nearly identical coverage limits and deductibles on every quote. If you are comparing different data it’s impossible to find the best deal for your MINI Cooper Countryman.

Get lower rates by taking advantage of discounts

Some providers don’t necessarily list all available discounts in a way that’s easy to find, so the below list has both well-publicized as well as some of the hidden ways to save on car insurance. If they aren’t giving you every credit possible, you may be paying too high a price.

  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Cooper Countryman insurance with certain companies.
  • Waiver for an Accident – Not a discount per se, but companies like Allstate, State Farm and Geico will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
  • Defensive Driver – Taking part in a defensive driver course could save 5% or more and easily pay for the cost of the class.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Smart Student Discounts – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Distant Student Discount – Children who live away from home at college and do not take a car to college can receive lower rates.
  • Low Miles Discount – Low annual miles could earn substantially lower premium rates.
  • Save with a New Car – Insuring a new car may earn a small discount because new vehicles keep occupants safer.
  • Accident-Free Discounts – Claim-free drivers get the best car insurance rates when compared with drivers with a long claim history.
  • Military Discounts – Being on active duty in the military could qualify you for better prices.

One thing to note about discounts is that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Larger car insurance companies and their possible discounts are:

  • Geico may include discounts for multi-policy, membership and employees, daytime running lights, anti-lock brakes, military active duty, and federal employee.
  • USAA has discounts for multi-vehicle, vehicle storage, annual mileage, loyalty savings, military installation, driver training, and safe driver.
  • Progressive may offer discounts for good student, multi-vehicle, homeowner, continuous coverage, multi-policy, online quote discount, and online signing.
  • American Family includes discounts for air bags, accident-free, bundled insurance, good driver, early bird, and Steer into Savings.
  • Esurance may have discounts that include online shopper, good student, anti-lock brakes, emergency road assistance, paid-in-full, good driver, and renters.
  • Farmers Insurance offers discounts including youthful driver, early shopping, homeowner, pay in full, and electronic funds transfer.
  • State Farm offers discounts for multiple policy, good student, accident-free, defensive driving training, multiple autos, Drive Safe & Save, and driver’s education.

When comparing rates, check with each company which discounts can lower your rates. Some credits may not be offered in your area.

How much insurance do I need?

When it comes to choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether you will benefit from professional help.

  • Is my state a no-fault state?
  • What discounts do I qualify for?
  • If my pet gets injured in an accident are they covered?
  • Am I covered if I crash into my own garage door?
  • Should I rate my 2016 MINI Cooper Countryman as pleasure use or commute?
  • How do I file an SR-22 for a DUI in my state?
  • Where can I find DUI or SR-22 insurance?
  • I don’t drive much so do I pay less?

If you’re not sure about those questions but you know they apply to you, you may need to chat with 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 only takes a few minutes and can help protect your family.

Auto insurance coverages and their meanings

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages available from auto insurance companies.

Auto liability insurance – This will cover damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

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 translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as funeral expenses, medical services, bail bonds and court costs. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hitting a deer, damage from a tornado or hurricane and vandalism. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, colliding with a tree, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your MINI Cooper Countryman.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for doctor visits, X-ray expenses, funeral costs and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Quote often and quote early

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. In many cases, an accident victim reduced collision coverage only to discover later that the savings was not a smart move. The aim is to buy the best coverage you can find at the best possible price, but don’t skip important coverages to save money.

Some insurance companies do not offer rate quotes online and usually these small insurance companies only sell through independent agents. Lower-priced auto insurance can be purchased online and from local agencies, so you should compare both in order to have the best chance of saving money.

Additional auto insurance information is available at these links: