How Much Does 2014 MINI Cooper Roadster Insurance Cost?

Looking for better insurance coverage rates? Shoppers have options when shopping for the best price on MINI Cooper Roadster insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to make rate comparisons. There are more efficient ways to find insurance coverage online and we’ll show you the best way to get price quotes for a new or used MINI and get the lowest price from both online companies and local agents.

Smart consumers take time to take a look at other company’s rates on a regular basis because prices trend upward over time. Even if you got the best deal for Cooper Roadster coverage a year ago there may be better deals available now. Forget all the misinformation about insurance coverage because you’re going to get a crash course in how to use online quotes to find better rates and still maintain coverage.

If you have a policy now or need new coverage, you can use these tips to cut your premiums while maximizing coverage. The purpose of this article is to teach you the most effective way to quote insurance and some tips to save money. Consumers just need to learn how to compare prices on the web.

Drivers can save with these rate-reducing discounts

Insurance coverage is expensive, but there could be available discounts that can dramatically reduce your bill. Some discounts apply automatically when you get a quote, but some need to be manually applied before you get the savings.

  • Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Accident Forgiveness – Not really a discount, but a handful of insurance companies allow you one accident before raising your premiums so long as you are claim-free before the accident.
  • Telematics Devices – Drivers that enable their insurance coverage company to track when and where they use their vehicle remotely such as Progressive’s Snapshot might get better premium rates as long as they are good drivers.
  • Senior Citizen Discount – Seniors can get a small discount on rates for Cooper Roadster coverage.
  • Driver’s Education for Students – Teen drivers should enroll in driver’s education in school.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Companies who might offer most of the discounts above include:

Check with each company or agent how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your area.

Free car insurance quotes

Finding cheaper car insurance rates is not rocket science. All you need to do is invest a little time comparing rates to find out which insurance company has affordable auto insurance quotes. Price comparisons can be done by following the guidelines below.

The recommended way to find low rates is a comparison rater form like this one (opens in new window). This quick form eliminates the need for separate quotes for each company you want a rate for. One form submission will return quotes from many national carriers. Recommended for those who want to invest the least amount of time.

A less efficient way to find more affordable insurance is to take the time to go to the website of each company and repeat the quote process. For example, let’s say you want to get rates from USAA, Progressive and American Family. To get each rate you have to spend time going to each site individually to enter your coverage information, and that explains why we recommend the first method.

For a list of companies in your area, click here.

The last method to find and compare rates is actually driving to local insurance agencies. Quoting online makes this process obsolete unless you prefer the trained advice that you can only get from talking to an agent. Some companies do allow you to obtain prices from the web but buy the policy through an agent.

However you get your quotes, ensure you’re using the same coverage limits on every quote you get. If you compare differing limits it will be next to impossible to determine which rate is truly the best.

Do I need special coverages?

When it comes to buying coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions might help in determining whether you could use an agent’s help.

  • What exactly is covered by my policy?
  • Is my custom paint covered by insurance?
  • Does my personal policy cover me when driving out-of-state?
  • What vehicles should carry emergency assistance coverage?
  • Do I need higher collision deductibles?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need rental car coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages for a MINI Cooper Roadster

Learning about specific coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance – Liability insurance protects you from damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, pain and suffering, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your Cooper Roadster resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, sustaining damage from a pot hole, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive protection – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, theft, a broken windshield and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like prosthetic devices, nursing services and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your MINI Cooper Roadster.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Be Smart and Buy Smart

Insureds leave their current company for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, delays in responding to claim requests or high prices. It doesn’t matter what your reason, finding the right insurance coverage provider can be easy and end up saving you some money.

Budget-conscious 2014 MINI Cooper Roadster insurance can be bought from both online companies in addition to local insurance agencies, so you need to shop auto insurance with both to have the best selection. A few companies may not offer rate quotes online and usually these small, regional companies sell through local independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. In many instances, an accident victim reduced physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible at the best possible price while still protecting your assets.

More detailed insurance coverage information is available in these articles: