Lower Your 2017 MINI Countryman Car Insurance Rates

Trying to find low-cost insurance for your MINI Countryman could be difficult, but you can learn the following methods and make it easy. There are more efficient ways to buy insurance and you need to know the quickest way to compare rates on a MINI and find the best price possible from both online companies and local agents.

The most recommended method to compare policy rates is to realize all the major auto insurance companies allow for online access to give rate comparisons. To begin a comparison, all you need to do is provide the companies a bit of rating information like if a SR-22 is required, whether your vehicle is owned or leased, whether the vehicles are used for commuting, and the year, make and model of vehicles. That rating data is instantly provided to multiple top-rated companies and they respond with quotes instantly.

If you wish to get multiple quotes for your 2017 MINI Countryman now, click here and see if a lower rate is available.

Discount car insurance rates

Properly insuring your vehicles can get expensive, but you may find discounts that you may not know about. Some discounts apply automatically at the time of quoting, but a few need to be specially asked for before you will receive the discount.

Active Military Service – Having a deployed family member can result in better rates.
Life Insurance – Insurance carriers who offer life insurance give a lower premium rate if you buy life insurance from them.
Defensive Driver – Taking part in a defensive driver class could cut 5% off your bill and also improve your driving technique.
Safe Driver Discounts – Drivers who don’t get into accidents may save up to 50% more on Countryman insurance than drivers with accident claims.
Drivers Education – Require your teen driver to take driver’s ed class in high school.
ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on Countryman insurance but check with your company.
Home Ownership Discount – Owning a home can get you a discount because owning a home requires a higher level of personal finance.

As a sidenote, most credits do not apply the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount should help lower your policy cost.

Companies and their offered discounts are included below.

Farm Bureau discounts include driver training, multi-vehicle, good student, youthful driver, multi-policy, and safe driver.
Liberty Mutual may include discounts for newly married, teen driver discount, exclusive group savings, safety features, and multi-policy.
State Farm may offer discounts for anti-theft, Drive Safe & Save, multiple autos, multiple policy, passive restraint, and accident-free.
Auto-Owners Insurance policyholders can earn discounts including group or association, mature driver, anti-lock brakes, multiple vehicles, air bags, and multi-policy.
GEICO offers premium reductions for good student, emergency military deployment, multi-vehicle, driver training, seat belt use, defensive driver, and multi-policy.
SAFECO includes discounts for anti-theft, teen safety rewards, homeowner, multi-car, bundle discounts, teen safe driver, and safe driver.

When comparing rates, check with each company which discounts they offer. Some credits might not be offered in your area.

Tailor your insurance coverage to you

When buying the best insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

Do I need to file an SR-22 for a DUI in my state?
Is motorclub coverage worth it?
Is my cargo covered for damage or theft?
I have good health insurance, so how much medical payments coverage do I need?
Do I need added coverage for expensive stereo equipment?
When can my company non-renew my policy?
Do I need higher collision deductibles?
Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my 2017 MINI Countryman is worth?
Are rock chip repairs covered?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills such as prosthetic devices, surgery, dental work, chiropractic care and pain medications. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, damage from flooding, hail damage and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your MINI Countryman.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability

This protects you from injuries or damage you cause to other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of 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 means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as loss of income, attorney fees, legal defense fees, court costs and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for collisions

This coverage will pay to fix damage to your Countryman from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.