Cheaper 2014 MINI Cooper Insurance Quotes

Trying to find better insurance rates for your MINI Cooper? Scraping up a payment for overpriced MINI Cooper insurance can empty your savings account, especially in this economy. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away. You have so many auto insurance companies to insure vehicles with, and although it’s nice to be able to choose, having more auto insurance companies makes it harder to locate the cheapest rates.

Cheap Auto Insurance Comparisons

Finding a lower price on 2014 MINI Cooper insurance is a fairly straight forward process. All that’s required is to invest a few minutes comparing rate quotes online with multiple companies. This can be done using a couple different methods.

1. Probably the best way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do repetitive form entry for each company. One quote request will return price quotes from multiple low-cost companies.
2. A more difficult way to get quotes online is spending the time to visit the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s say you want rates from Liberty Mutual, Allstate and Progressive. To find out each rate you need to visit each site to input your insurance information, and that’s why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

3. The most time-consuming way of comparing rate quotes is driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you have a need for the trained guidance of a local agent. You can, however, compare the best prices online and still use a local agent and we’ll talk about that later.

Whichever method you choose, make absolute certain that you use the exact same deductibles and coverage limits for every company. If you enter mixed coverages then you won’t be able to truly determine the lowest rate.

When should I use an insurance agent?

When it comes to buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

• Am I covered if I crash into my own garage door?
• Does coverage extend to Mexico or Canada?
• At what point should I drop full coverage?
• Does my policy cover me when driving someone else’s vehicle?
• Does having multiple vehicles earn me a discount?
• Do I have coverage when pulling a U-Haul trailer?
• Do I need to file an SR-22 for a DUI in my state?
• How high should deductibles be on a 2014 MINI Cooper?
• Am I covered if my car is in a flood?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Specific coverage details

Understanding the coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for nursing services, X-ray expenses, chiropractic care, EMT expenses and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from flooding, falling objects and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your MINI Cooper.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision – This coverage covers damage to your Cooper resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability insurance – This coverage will cover damage that occurs to other people or property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like legal defense fees, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.