How Much Does 2011 MINI Cooper Countryman Car Insurance Cost?

Looking for the cheapest car insurance rates for your MINI Cooper Countryman? Finding affordable car insurance is always challenging for people who are new to comparing rates online. Consumers have so many choices that it can quickly become a challenge to find the best price.

Take advantage of discounts

Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. Certain discounts will be applied at the time of purchase, but a few must be manually applied before they will apply.

  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Cooper Countryman coverage than drivers with accident claims.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Own a Home – Owning a house may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for Cooper Countryman coverage depending on your company.
  • Low Mileage – Low mileage vehicles can earn a substantially lower rate.
  • Clubs and Organizations – Belonging to a civic or occupational organization may earn a discount when buying car insurance for Cooper Countryman coverage.

Consumers should know that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will help reduce the amount you have to pay.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

Double check with every prospective company how you can save money. Savings may not apply in every state.

How to Lower Your Car Insurance Cost

When shopping for car insurance there are multiple ways to compare quotes and find the best price. The best method to compare 2011 MINI Cooper Countryman insurance prices is simply to get online rate quotes. This can be accomplished in several different ways.

  1. The single most time-saving way to get quotes would be an industry-wide quote request form click here to open form in new window. This method eliminates the need for separate forms for each company you want a rate for. One simple form will return quotes from several companies. This is by far the quickest method.
  2. A harder way to compare rate quotes consists of visiting each company website to complete their respective quote request forms. For examples sake, we’ll assume you want to compare Auto-Owners, Esurance and State Farm. To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just compare the exact same coverage limits for every quote you compare. If you have higher or lower deductibles then you won’t be able to decipher which rate is best. Quoting even small variations in coverage limits could mean much higher rates. And when price shopping your coverage, comparing more company’s prices will improve the odds of getting better pricing.

MINI Cooper Countryman insurance rates consist of many parts

An important part of buying insurance is that you know the rating factors that help determine your auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

  • A clean driving record saves money – Only having one speeding ticket can boost insurance rates by twenty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Pay less if you’re married – Having a spouse can actually save you money on auto insurance. It is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.
  • More than one policy can earn a discount – Most insurance companies will award you with lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to make sure you are getting the best deal. You may still be able to find a better deal by buying auto insurance from a different company.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores tend to have better insurance rates. Safer cars result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your MINI earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • An active claims history can cost you – If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance companies give better rates to insureds who do not file claims often. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

How to know if you need help

When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if you may require specific advice.

  • What is covered by UM/UIM coverage?
  • What is the difference between comprehensive and collision coverage?
  • Are rock chip repairs covered?
  • Do I pay less for low miles?
  • What vehicles should carry emergency assistance coverage?
  • Are my friends covered when driving my car?
  • How do I insure my teen driver?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my state a no-fault state?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Ads can be misleading

Companies like Progressive, Allstate and Geico consistently run ads on television and other media. All the ads say the same thing of big savings if you change your policy. How can each company make the same claim?

All companies have a preferred profile for the type of customer that earns them a profit. For example, a preferred risk could be over the age of 50, has no tickets, and chooses high deductibles. A customer who fits that profile will qualify for the lowest rates and therefore will save when switching.

Consumers who fall outside the “perfect” profile will be quoted higher rates which leads to business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that much money. That is how insurance companies can confidently make the claims of big savings.

This emphasizes why it is so important to get as many comparisons as possible. You cannot predict which auto insurance company will give you the biggest savings on MINI Cooper Countryman insurance.

Auto insurance coverage breakdown

Having a good grasp of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability coverage

Liability insurance will cover injuries or damage you cause to other people or property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show 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. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair costs for stationary objects, medical services, repair bills for other people’s vehicles, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

This will pay to fix damage to your Cooper Countryman from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, hitting a mailbox, crashing into a building and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your MINI Cooper Countryman.

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. This is the reason having UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, a broken windshield, damage from flooding, a tree branch falling on your vehicle and theft. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, X-ray expenses, surgery, ambulance fees and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Be a Smart Shopper

You just read many ways to reduce 2011 MINI Cooper Countryman insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with the least-expected company.

Insureds switch companies for many reasons like denial of a claim, delays in responding to claim requests, lack of trust in their agent or policy non-renewal. Regardless of your reason, choosing a new company can be less work than you think.

Lower-priced insurance can be bought online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some companies may not provide online price quotes and these small insurance companies work with independent agents.

Even more information can be found at these sites: