Are Your Mini Cooper Car Insurance Rates Way Too Much?

Have you had enough of trying to scrape together enough money to insure your Mini every month? You are in the same boat as millions of other consumers. You have so many insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, it can be more difficult to adequately compare rates.

Consumers need to compare prices quite often since insurance rates are constantly changing. If you had the best deal for Cooper insurance on your last policy other companies may now be cheaper. There is a lot of bad advice regarding car insurance online, so we’re going to give you a bunch of ideas how to quit paying high car insurance rates.

Finding the best rates is quite easy. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. Vehicle owners only need to know the proper methods to get comparison quotes online.

Which Car Insurance is Cheapest?

There are a lot of ways to shop for car insurance, but there is one way that is easier and takes less work. You can waste hours driving to insurance agencies in your area, or you can stay home and use online quotes to get pricing more quickly.

Many of the larger companies take part in a program that allows shoppers to enter their policy data once, and every company provides a quote for coverage. This eliminates the need for quote requests for each company.

To submit your quote information now, click to open in new window.

One minor caviat to using this type of system is that you can’t choose which providers you want to price. If you prefer to choose specific providers to compare, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you use the exact same coverages on every quote. If you use different deductibles it will be very difficult to truly determine the lowest rate.

Don’t miss out on these money-saving discounts

Car insurance companies don’t necessarily list every available discount in an easy-to-find place, so we break down some of the more common and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you deserve, you are throwing money away.

• Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
• Government Employees – Active or retired federal employment can earn a discount up to 10% for Cooper insurance with a few car insurance companies.
• Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
• Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
• Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
• No Accidents – Good drivers with no accidents pay less as compared to bad drivers.
• Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
• Homeowners Pay Less – Owning a house may trigger a car insurance policy discount because owning a home requires personal responsibility.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way.

When might I need the advice of an agent?

When buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help you determine if your situation will benefit from professional help.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is a no-fault state?
• Do I need PIP coverage since I have good health insurance?
• Does my personal auto insurance policy cover using my vehicle for business use?
• Do I need rental car coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What happens if I owe more than my Mini Cooper is worth?
• Can I afford low physical damage deductibles?
• How can I get high-risk coverage after a DUI?
• Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.