Vehicles > MINI > Clubman

MINI Clubman Insurance Cost

Comparing auto insurance from online rate quotes saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to compare rates from all companies so you can get the lowest rate quotes.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to online rate quotes. But don't be discouraged because comparing prices is actually very simple. Lowering your Clubman insurance rates doesn't have to be difficult. You just need to take a few minutes to get quotes online from several insurance companies. This can be done by completing this short form.

FREE Car Insurance Comparison

Criteria which help determine MINI insurance rates

Auto insurance rates on a MINI Clubman will vary greatly and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Your credit history
  • Men typically pay more than women
  • Low deductibles cost more
  • NTSB crash rating for your vehicle
  • Claims drive up premiums
  • Having current coverage saves
  • Owning a home can lower rates

A final factor that can impact Clubman insurance cost is the model year. New vehicles have a higher value in comparison to later models so the costs to repair will push premiums up. On the flip side, more recent MINI vehicles may have a trim level with safety features like pedestrian detection, tire pressure monitors, and autonomous braking so those may give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability insurance

This will cover injuries or damage you cause to people or other property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your MINI resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Clubman can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper Clubman insurance cost.

Comprehensive protection

This coverage 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 your MINI Clubman comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are MINI Clubman Insurance Rates?