View 2017 MINI Convertible Insurance Rates

Want the cheapest insurance rates for your MINI Convertible? Finding cheap rates on insurance may be very difficult for drivers who are beginners to online insurance quotes. People have so many agents and companies to choose from that it can easily be a real difficult job to find a cheaper company.

Auto insurance quotes and discounts

Buying auto insurance is not cheap, but there could be significant discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at quote time, but a few must be manually applied before you will receive the discount.

  • Home Ownership Discount – Owning your own home or condo can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Professional Memberships – Belonging to qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
  • Student in College – Children who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.
  • Military Discounts – Being deployed in the military may lower your auto insurance rates slightly.
  • No Charge for an Accident – Not really a discount, but certain companies will allow you to have one accident before raising your premiums so long as you are claim-free prior to the accident.
  • Claim Free – Drivers with accident-free driving histories have much lower rates in comparison to accident-prone drivers.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Some of the larger companies that may offer quotes with many of the previously listed discounts include:

When getting free auto insurance quotes, it’s a good idea to each company or agent which discounts you qualify for. Discounts may not be available everywhere. If you would like to see a list of insurers who offer cheap auto insurance quotes, follow this link.

Eight tips to get more affordable insurance premiums

Many things are part of the calculation when you quote your car insurance policy. Some are obvious such as your driving record, but some are more transparent such as your marital status or your financial responsibility.It’s important that you understand some of the factors that are used to determine your auto insurance rates. If you know what influences your rates, this empowers consumers to make smart changes that can help you get lower premium levels.

  • Your credit rating is important – A driver’s credit score can be a huge factor in determining what you pay for auto insurance. Drivers who have high credit ratings tend to be better risks to insure than drivers who have poor credit. So if your credit score leaves room for improvement, you could save money insuring your 2017 MINI Convertible by repairing your credit.
  • Vehicle features impact rates – Choosing to buy a car with a theft deterrent system can help lower your premiums. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms can thwart your car from being stolen.
  • Avoid coverage lapses – Driving any period of time without insurance is a big no-no and companies may charge more for letting your coverage cancel without a new policy in place. Not only will rates go up, failure to provide proof of insurance could result in a license revocation or jail time.
  • Single vs. married – Walking down the aisle can get you a discount on auto insurance. Having a significant other is viewed as being less irresponsible and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Pleasure use saves money – Driving more miles in a year’s time the more you will pay for auto insurance. Most companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. Having an incorrect usage rating on your Convertible can cost quite a bit. Double check that your auto insurance policy reflects annual mileage.
  • Rural areas have lower premiums – Choosing to live in small towns and rural areas has it’s advantages when it comes to auto insurance. People who live in big cities regularly have more traffic problems and a longer drive to work. Fewer drivers and short commutes means reduced accidents and a lower car theft rate.
  • Safer cars are cheaper to insure – Safe vehicles tend to be cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies and lower rates for you.
  • Higher auto insurance rates for specific vocations – Did you know your occupation can influence how much you pay for auto insurance? Occupational choices like fire fighters, architects and financial analysts are shown to have the highest average rates attributed to high stress levels and long work days. On the other hand, jobs like scientists, engineers and the unemployed have the lowest average rates for Convertible insurance.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I hit a deer?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does insurance cover tools stolen from my truck?
  • Do I need special endorsements for business use of my vehicle?
  • Are my friends covered when driving my car?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have coverage if my license is suspended?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

The coverage is in the details

Knowing the specifics of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield, fire damage, vandalism and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your MINI Convertible.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses like chiropractic care, funeral costs, X-ray expenses, prosthetic devices and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverages – This covers damage to your Convertible resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, hitting a parking meter, crashing into a building, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Liability car insurance – Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like medical services, emergency aid, court costs, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

The bottom line

There are still a few companies who may not provide rate quotes online and many times these smaller companies work with local independent agencies. Cheaper auto insurance is definitely available on the web and also from your neighborhood agents, so you need to compare both to have the best chance of lowering rates.

As you quote auto insurance, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an insured cut liability coverage limits only to find out that it was a big mistake. Your focus should be to buy enough coverage at a price you can afford while still protecting your assets.

You just read some good ideas how to lower your 2017 MINI Convertible insurance premium rates. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. You may even find the best premium rates are with a small mutual company.

Much more information about auto insurance can be read at these links: