2013 MINI Cooper Clubman Insurance Cost

Searching for better insurance rates for your MINI Cooper Clubman? Overpriced MINI Cooper Clubman insurance can dwindle your savings account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Consumers have many insurance companies to choose from, and even though it’s nice to have a choice, having more car insurance companies makes it harder to find the lowest cost provider.

It’s a good idea to do rate comparisons occasionally because insurance rates are adjusted regularly by insurance companies. Even if you got the best price on Cooper Clubman insurance six months ago a different company probably has better rates today. Starting now, forget all the misinformation about insurance because you’re about to learn the best way to remove unneeded coverages and save money.

Vehicle Insurance Comparison

Effectively comparing auto insurance prices can take hours if you don’t understand the most efficient way to do it. You can spend countless hours driving to insurance agencies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most major companies belong to an insurance system where insurance shoppers send in one quote, and each company then gives them pricing based on that information. This system prevents you from having to do quotation requests to each individual auto insurance company.

To get comparison pricing now click here to start a free quote.

The one disadvantage to using this type of form is you cannot specify which companies you will receive quotes from. If you wish to select specific providers to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you use, ensure you’re using the exact same coverages for each comparison quote. If you have different limits and deductibles on each one you will not be able to decipher which rate is best.

Do you qualify for discounts?

Companies do not list all available discounts in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • 55 and Retired – If you qualify as a senior citizen, you may be able to get better auto insurance rates on Cooper Clubman insurance.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • Air Bag Discount – Cars that have air bags can qualify for discounts of more than 20%.
  • Multiple Cars – Having all your vehicles with the same company qualifies for this discount.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Cooper Clubman insurance with select insurance companies.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that may have these money-saving discounts include:

Check with every prospective company which discounts you may be entitled to. Discounts may not be available in your area.

Don’t assume everyone needs the same coverage

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • Who is covered by my policy?
  • Will filing a claim cost me more?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I put collision coverage on all my vehicles?
  • What is the difference between comprehensive and collision coverage?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Specific coverages for a MINI Cooper Clubman

Learning about specific coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for 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. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things such as structural damage, medical expenses and attorney fees. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, hail damage, vandalism and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your MINI Cooper Clubman.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

Collision coverage will pay to fix damage to your Cooper Clubman resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage reimburse you for immediate expenses for rehabilitation expenses, EMT expenses, nursing services and X-ray expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Shop around and save

In this article, we covered quite a bit of information on how to reduce 2013 MINI Cooper Clubman insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a lesser-known regional company. They often have lower prices on specific markets than the large multi-state companies such as Progressive or Geico.

Discount insurance can be purchased both online as well as from independent agents, so you should compare both in order to have the best chance of saving money. A few companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

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