2009 MINI Cooper Clubman Insurance Quotes

Finding low-cost insurance for a MINI Cooper Clubman could be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to compare car insurance rates and we’ll show you the quickest way to compare rates on a MINI and obtain the best price possible.

If you are insured now or are shopping for new coverage, you can use this information to find better prices and possibly find even better coverage. Locating the best insurance is simple if you know the tricks. Vehicle owners just need to know how to compare prices online.

Verify you’re receiving every discount

Car insurance companies don’t necessarily list the entire discount list in an easy-to-find place, so the next list breaks down both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Good Student – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
  • Switch and Save Discount – Some companies give discounts for switching to them before your current coverage expires. This discount can save up to 10%.
  • Seat Belt Discounts – Requiring all passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Telematics Discount – Insureds that choose to allow data collection to monitor their driving habits by using a telematics device like Allstate’s Drivewise may see discounts if their driving habits are good.
  • Senior Citizen Rates – Drivers that qualify as senior citizens may receive a small discount on rates for Cooper Clubman coverage.
  • Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions so companies give up to a 10% discount.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for Cooper Clubman coverage depending on your car insurance provider.
  • Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • Responsible Driver Discount – Insureds without accidents can pay as much as 50% less for Cooper Clubman coverage compared to accident prone drivers.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurers that have a full spectrum of discounts, click here.

Low cost insurance

Getting a cheaper price on 2009 MINI Cooper Clubman insurance can be surprisingly simple. You just have to invest a little time comparing rate quotes to see which company has inexpensive insurance coverage quotes. It’s super easy and can be done using one of these methods.

One of the fastest ways consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating repetitive form entry for every prospective company. In just a few minutes this one form compares rates from many national carriers. Just one form and you’re done.

A different way to get comparison quotes is going to each individual company website and fill out a new quote form. For instance, we’ll pretend you want rates from Progressive, Allstate and Farmers. In order to compare rates, you need to go to every website and repeatedly type in your coverage information, and that explains why we recommend the first method.

For a handy list of car insurance company links in your area, click here.

The old school method to compare price quotes is to spend time driving to and from local insurance agencies. The ability to quote online has made agencies unnecessary unless you prefer the trained advice that you can only get from talking to an agent. It is possible to get prices online and have a local agent actually service the policy.

Whichever way you use, do your best to enter the same quote data with every price quote. If you are comparing higher or lower deductibles it’s not possible to make an equal comparison.

Lower your insurance costs

Lots of factors are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but other criteria are less apparent like your continuous coverage or how safe your car is.One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help calculate your car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower car insurance prices.

The following are some of the factors that factor into your premiums.

  • Certain vocations pay higher premiums – Did you know your job can affect your rates? Jobs like fire fighters, executives and emergency personnel generally have the highest rates in part from high stress levels and long work days. Other careers such as farmers, engineers and the unemployed receive lower rates for Cooper Clubman coverage.
  • Prices are affected by your address – Choosing to live in less populated areas can save you money when it comes to car insurance. Less people living in that area means fewer accidents in addition to fewer liability claims. Drivers in populated areas tend to have more auto accidents and a longer drive to work. The longer drive time statistically corresponds to a higher accident and claim rate.
  • Never let your car insurance policy lapse – Driving without insurance is not a good idea and you may have a hard time finding new coverage because you let your insurance expire. Not only will rates go up, getting caught without coverage could earn you a fine, jail time, or a revoked license. You may have to file a SR-22 with your state DMV.
  • Pay less with a high crash test rating – Cars with five star safety ratings get lower rates. These vehicles reduce the chance of injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your MINI Cooper Clubman scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • Cautious drivers pay less – Having a single driving citation could increase your next policy renewal forty percent or more. Drivers who don’t get tickets have lower premiums as compared to careless drivers. Drivers who get severe citations like DWI, reckless driving or hit and run convictions might be required by their state to maintain a SR-22 with their state DMV in order to prevent a license revocation.
  • Single drivers take more risk – Having a spouse helps lower the price on car insurance. Having a spouse demonstrates that you tend to be more mature and it’s statistically proven that drivers who are married are more cautious.
  • Keep claims to a minimum – Auto insurance companies provide discounts to insureds that do not abuse their auto insurance. If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions might point out if your insurance needs might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • Which companies will insure high-risk drivers?
  • Can I still get insurance after a DUI?
  • Will filing a claim cost me more?
  • Is my MINI Cooper Clubman covered if I use it for business?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Will my insurance pay for OEM parts?
  • What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Insurance ads bend the truth

Consumers can’t ignore all the ads for the lowest price insurance from companies such as Allstate and Progressive. They all seem to try to convey promises of big savings if you get a free insurance coverage quote and switch your policy.

Is it even possible that every company can make the same claim?

Companies give the cheapest rates for the type of insured that earns them a profit. For instance, a profitable insured may need to be married and over the age of 30, owns their home, and has excellent credit. Someone who fits that profile may get the lowest prices and have a good chance to save money with a new company.

Potential customers who cannot meet the “perfect” profile will probably be forced to pay a higher premium which usually ends up with the customer not purchasing. The ad wording is “people who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can claim big savings. This really illustrates why you really should compare many company’s rates. It is impossible to predict with any certainty which company will provide the lowest prices.

Car insurance coverages for a MINI Cooper Clubman

Knowing the specifics of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for bills such as prosthetic devices, doctor visits, rehabilitation expenses, ambulance fees and funeral costs. 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 as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability – This coverage can cover damage that occurs to other’s property or people. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims such as emergency aid, attorney fees and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive car insurance – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, a broken windshield and hitting a deer. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance covers damage to your Cooper Clubman from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your MINI Cooper Clubman.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Make a quick buck

Budget-conscious 2009 MINI Cooper Clubman insurance is attainable from both online companies and also from your neighborhood agents, so you need to shop insurance coverage with both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get quotes online and these smaller providers only sell through independent agents.

When getting insurance coverage quotes online, it’s very important that you do not buy poor coverage just to save money. In many instances, an insured dropped liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your focus should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.

We covered many tips how you can lower your 2009 MINI Cooper Clubman insurance rates. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even find the lowest rates are with some of the lesser-known companies.

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