Compare 2013 MINI Cooper Countryman Insurance Quotes

Finding the lowest cost insurance on the internet is rather challenging for beginners to comparing rates online. With dozens of insurers to choose from, how can drivers have a chance to compare every company to locate the lowest price?

Smart consumers take time to check insurance prices periodically because rates change quite often. Despite the fact that you may have had the best rates for Cooper Countryman coverage six months ago you will most likely find a better rate today. So just ignore everything you know about insurance because we’re going to show you the quickest way to properly buy coverages and cut your premium.

How to Buy Auto Insurance Online

There are several ways to compare quotes and find the best price. The simplest method to find the cheapest 2013 MINI Cooper Countryman insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  1. The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quote forms for each company. One form submission gets you coverage quotes direct from many companies.It’s the quickest way to get rates.
  2. A less efficient way to compare rate quotes is to manually visit each individual company website and request a quote. For examples sake, let’s say you want comparison quotes from State Farm, Safeco and Allstate. To get each rate you have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  3. The least recommended method to get comparison rates is to waste gas driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you have a need for the trained guidance of a local agent. You can, however, price shop online but still have the advice of a local agent. We’ll cover that shortly.

Whichever method you choose, make absolute certain that you use exactly the same coverages with each company. If you are comparing different values for each quote it will be very difficult to make an equal comparison. Slightly different coverage limits can mean a large discrepancy in price. And when quoting auto insurance, remember that obtaining a wide range of quotes helps locate better pricing.

Don’t pay full price with these discounts

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be inquired about before being credited.

  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for Cooper Countryman coverage than drivers with accident claims.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates when buying insurance for Cooper Countryman coverage.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% for Cooper Countryman coverage depending on your company.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.

Companies that may have these discounts include:

Before buying, ask each company which discounts you may be entitled to. Savings may not be available in every state.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Do I benefit by insuring my home with the same company?
  • Do I need rental car coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my insurance cover a custom paint job?
  • How much liability do I need to cover my assets?
  • Am I covered when using my vehicle for business?
  • Is my cargo covered for damage or theft?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Your MINI Cooper Countryman insurance rate is a complex equation

An important part of buying insurance is that you know the factors that help determine insurance coverage rates. Having a good understanding of what determines base rates helps enable you to make changes that could result in better insurance coverage rates.

The following are some of the items that factor into premiums.

  • Where you reside plays a part – Choosing to live in less populated areas has it’s advantages when it comes to insurance coverage. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with congested traffic and longer commute times. More time on the road means higher likelihood of an accident.
  • Save money with special equipment – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Bump up deductibles to save – Physical damage deductibles define the amount you are willing to pay before your insurance coverage pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and rolling your vehicle. The more expense the insured has to pay upfront, the less your insurance coverage will be for Cooper Countryman coverage.
  • Never go without insurance – Letting your insurance expire will be a fast way to increase your insurance coverage rates. And not only will your rates increase, getting caught without coverage can result in a steep fine or even jail time.
  • Men pay higher rates – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. They both are in accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Better credit scores mean better rates – Having a bad credit score is a important factor in calculating your insurance coverage rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower ratings. Therefore, if your credit is low, you could save money insuring your 2013 MINI Cooper Countryman by spending a little time repairing your credit.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for insurance coverage? Jobs such as doctors, architects and stock brokers tend to have the highest rates because of high stress and long work days. On the other hand, occupations like pilots, students and homemakers receive lower rates for Cooper Countryman coverage.

Auto insurance 101

Understanding the coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, theft and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This coverage pays for damage to your Cooper Countryman from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Coverage for liability – This provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, bail bonds, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability 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 the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, hospital visits, pain medications, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

In any little way, save everyday

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your aim should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Drivers switch companies for any number of reasons including policy cancellation, high rates after DUI convictions, not issuing a premium refund or even denial of a claim. Regardless of your reason for switching companies, switching companies is less work than it seems.

We just presented quite a bit of information on how to compare 2013 MINI Cooper Countryman insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with some of the lesser-known companies.

For more information, link through to the resources below: