2016 MINI Cooper Clubman Insurance Rates – 5 Tips for Cheapest Quotes

Searching for lower insurance rates for your MINI Cooper Clubman? Did budget coverage turn out to be an underperforming, overpriced insurance policy? Believe me when I say there are many people just like you. Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best price available.

You should make it a habit to compare premium rates at least once a year because insurance prices are constantly changing. Even if you think you had the lowest rates for Cooper Clubman coverage a year ago other companies may now be cheaper. There is too much inaccurate information about insurance online but in just a couple of minutes you can learn some great ways to reduce your insurance bill.

Cheap insurance quotes

Finding cheaper 2016 MINI Cooper Clubman insurance rates doesn’t have to be difficult. All that’s required is to invest a few minutes getting comparison quotes from some recommended companies. Shoppers can get rates in several different ways.

  1. The first (and easiest) way to get quotes is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing separate quote forms for every prospective company. A single form compares rates from insurance companies with the best prices.
  2. A more time consuming way to find more affordable insurance consists of going to each company website and fill out their own quote form. For example, let’s assume you are doing a rate comparison from GEICO, Esurance and Travelers. To get each rate you have to spend time on each company’s site and punch in your information repeatedly, which is why the first method is quicker.

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

Whichever way you choose to compare rates, try to use apples-to-apples coverage information with every price quote. If you have different data it will be next to impossible to determine which company has the best rates.

These five discounts can cut insurance coverage rates

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. A few discounts will be applied when you quote, but occassionally some discounts must be inquired about before you will receive the discount.

  • Government Employees – Active or retired federal employment may qualify for a discount when you quote insurance for Cooper Clubman coverage depending on your company.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase some life insurance too.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
  • Switch and Save Discount – A few insurance companies give discounts for signing up before your current coverage expires. It could save around 10% when you buy insurance online.

As a sidenote, most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, nobody gets a free ride. But any discount should help reduce your policy premiums.

Companies and their possible discounts are detailed below.

  • AAA has savings for good student, multi-car, education and occupation, multi-policy, and pay-in-full.
  • Progressive policyholders can earn discounts including continuous coverage, multi-policy, good student, homeowner, and online quote discount.
  • State Farm offers premium reductions for Drive Safe & Save, multiple policy, accident-free, good driver, defensive driving training, anti-theft, and Steer Clear safe driver discount.
  • Esurance includes discounts for good driver, online shopper, paid-in-full, Switch & Save, Pac-12 alumni, multi-policy, and anti-lock brakes.
  • Nationwide offers discounts for accident-free, good student, easy pay, anti-theft, Farm Bureau membership, defensive driving, and multi-policy.

When getting free insurance quotes, it’s a good idea to all the companies to give you their best rates. Some of the earlier mentioned discounts might not be offered in your area. To see a list of insurance companies that offer the discounts shown above, click here.

When do I need an agent’s advice?

When it comes to choosing coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might help in determining if you will benefit from professional help.

  • At what point should I drop full coverage?
  • Should I sign the liability waiver when renting a car?
  • Does coverage extend to my business vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Am I better off with higher deductibles on my 2016 MINI Cooper Clubman?
  • Does car insurance cover theft of personal property?
  • How can I get high-risk coverage after a DUI?
  • What if I total my 2016 MINI Cooper Clubman and owe more than it’s worth?
  • Is extra glass coverage worth it?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance coverages and their meanings

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Liability auto insurance

This coverage protects you from damage that occurs to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your MINI Cooper Clubman.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision insurance will pay to fix damage to your Cooper Clubman caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, sideswiping another vehicle, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for surgery, EMT expenses, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

One last thing about your coverage

Low-cost 2016 MINI Cooper Clubman insurance is possible both online and from local agencies, so get free insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not provide online price quotes and these smaller companies provide coverage only through independent insurance agents.

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where drivers have reduced physical damage coverage only to regret that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

We covered a lot of techniques to lower your 2016 MINI Cooper Clubman insurance prices. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the biggest savings come from an unexpected company. Some small companies often have lower rates on specific markets as compared to the big name companies such as State Farm or Progressive.

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