How Much Does 2014 MINI Cooper Clubman Car Insurance Cost?

Feel like you have an overpriced insurance policy? Don’t sweat it because many drivers have buyer’s remorse. Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies and get the definite best price available.

Earn discounts on insurance coverage

Buying insurance coverage is not cheap, but there could be available discounts that could drop your premiums quite a bit. Certain discounts will be applied at quote time, but some must be asked about before you get the savings. If you are not receiving all the discounts available, you are throwing money away.

  • Student Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.
  • Drive Less and Save – Driving less may allow you to get lower rates due to less chance of an accident.
  • Passenger Safety Discount – Options like air bags or motorized seat belts can get savings up to 30%.
  • Multi-line Discount – Insurance coverage companies who offer life insurance give lower rates if you buy some life insurance in addition to your auto policy.
  • Senior Discount – If you qualify as a senior citizen, you are able to get a small discount on rates on Cooper Clubman coverage.
  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote car insurance on Cooper Clubman coverage depending on your company.
  • Professional Memberships – Affiliation with a qualifying organization may earn a discount on your next insurance coverage statement.
  • Renewal Discounts – A few larger companies allow discounts for switching to them prior to your current policy expiration. You may see this discount when you get car insurance quotes online.
  • Military Deployment Discount – Being on active duty in the military can result in better insurance coverage rates.
  • Own a Home – Owning a house may earn you a small savings because owning a home requires personal responsibility.

As a sidenote, most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

A few popular companies and a partial list of their discounts are included below.

  • GEICO has discounts for defensive driver, daytime running lights, emergency military deployment, air bags, and anti-lock brakes.
  • USAA discounts include good student, multi-vehicle, driver training, loyalty savings, family discount, annual mileage, and military installation.
  • Progressive offers premium reductions for homeowner, multi-policy, online quote discount, good student, and multi-vehicle.
  • American Family offers discounts including multi-vehicle, TimeAway discount, Steer into Savings, bundled insurance, air bags, and good driver.
  • Esurance offers discounts for online quote, claim free, online shopper, defensive driver, good student, and paid-in-full.
  • Farmers Insurance may have discounts that include business and professional, multi-car, switch companies, good student, and youthful driver.
  • State Farm has savings for student away at school, passive restraint, Steer Clear safe driver discount, anti-theft, defensive driving training, accident-free, and multiple policy.

Before buying, ask all the companies what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies in your area.

First Step: Get free insurance coverage quotes

Finding a better price on insurance coverage is a great way to save money. You just need to spend a little time to compare rate quotes to discover which company has the cheapest car insurance quotes. It is quite easy and can be accomplished by using one of the methods below.

  1. If you’re in a hurry, the quickest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating separate quote forms for every company. Completing one form will return price quotes direct from many companies.
  2. Another way to analyze rates consists of visiting the website of each company and repeat the quote process again and again. For examples sake, we’ll assume you want to get rates from Auto-Owners, Safeco and State Farm. To get each rate you have to navigate to each company’s site and enter your policy data, which is why most consumers use the first method. For a list of companies in your area, click here.

It’s up to you which method you use, but be sure to compare the same quote data for each quote you get. If each company quotes different data it will be next to impossible to truly determine the lowest rate.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • How can I get high-risk coverage after a DUI?
  • What if I total my 2014 MINI Cooper Clubman and owe more than it’s worth?
  • Is my 2014 MINI Cooper Clubman covered for smoke damage?
  • Should I bundle my homeowners policy with my auto?
  • What are the financial responsibility laws in my state?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Information about specific coverages

Learning about specific coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages offered by car insurance companies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your MINI Cooper Clubman.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision insurance

This coverage covers damage to your Cooper Clubman resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a parking meter, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage covers 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 coverage pays for things like damage from a tornado or hurricane, a broken windshield, rock chips in glass, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like prosthetic devices, doctor visits, rehabilitation expenses, chiropractic care and surgery. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverages

This coverage protects you from damage that occurs to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, emergency aid, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Compare but don’t skimp

More affordable insurance is attainable both online and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and many times these small, regional companies only sell coverage through independent agencies.

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at a price you can afford.

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