2017 MINI Hardtop 2 Door Insurance Quotes – 8 Tips for Best Rates

Looking for better insurance rates for your MINI Hardtop 2 Door? High-priced insurance can diminish your checking account and force you to cut corners elsewhere. Comparing price quotes is a fast and free way to lower your monthly bill.

Consumers have multiple insurers to pick from, and although it’s nice to have a selection, too many choices makes it more difficult to find the best rates for your vehicles.

It’s a great practice to compare premium rates periodically since insurance rates are constantly changing. Even if you think you had the lowest rate on Hardtop 2 Door insurance six months ago a different company probably has better prices today. Forget all the misinformation about insurance because you’re about to learn the proper way to buy cheaper insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to save some money using these tips. Vehicle owners only need to know how to find the lowest price over the internet.

Do you qualify for these eight discounts?

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that may help make it more affordable. Certain discounts will be applied when you purchase, but a few need to be manually applied before you will receive the discount.

  • Federal Employees – Active or retired federal employment may qualify for a discount when you quote auto insurance on Hardtop 2 Door insurance with a few car insurance companies.
  • Safety Restraint Discount – Drivers who require all occupants to buckle up before driving could cut 10% or more off the medical payments premium.
  • Data Collection Discounts – Insureds that choose to allow their car insurance company to study when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot might get better premium rates if they are good drivers.
  • New Car Discount – Buying insurance coverage on a new vehicle is cheaper because newer vehicles have to meet stringent safety requirements.
  • Claim-Free Discount – Drivers who stay claim-free pay less compared to drivers with a long claim history.
  • Discounts for Good Drivers – Insureds who avoid accidents can pay as much as 50% less on Hardtop 2 Door insurance compared to rates paid by drivers with frequent claims.
  • No Charge for an Accident – This one is not really a discount per se, but companies like GEICO and Liberty Mutual will allow you to have one accident before raising your premiums with the catch being you have to be claim-free for a specific time period.
  • Military Deployment Discount – Having a family member in the military may lower your car insurance rates slightly.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will positively reduce the amount you have to pay.

A list of car insurance companies and a selection of discounts are shown below.

  • The Hartford may offer discounts for driver training, air bag, anti-theft, defensive driver, vehicle fuel type, and bundle.
  • American Family may have discounts that include accident-free, multi-vehicle, early bird, defensive driver, bundled insurance, and mySafetyValet.
  • Progressive offers discounts including multi-policy, homeowner, continuous coverage, multi-vehicle, online quote discount, and good student.
  • Travelers includes discounts for early quote, multi-car, multi-policy, save driver, IntelliDrive, driver training, and payment discounts.
  • Farmers Insurance may include discounts for mature driver, youthful driver, electronic funds transfer, homeowner, switch companies, early shopping, and multi-car.
  • USAA offers discounts for driver training, defensive driver, multi-vehicle, good student, and safe driver.
  • Liberty Mutual discounts include exclusive group savings, hybrid vehicle, good student, new vehicle discount, multi-policy, safety features, and newly married.

It’s a good idea to ask each insurance company to apply every possible discount. Depending on the company, some discounts might not be offered in every state. To see a list of insurers who offer car insurance discounts, click this link.

Don’t assume everyone needs the same auto insurance coverage

When buying the best auto insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Why am I required to buy high-risk coverage?
  • Are my friends covered when driving my car?
  • Is my trailer covered?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • When would I need rental car insurance?
  • Am I covered if I hit a deer?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Insurance ads bend the truth

Drivers can’t get away from ads that claim the lowest prices from companies such as GEICO, State Farm and Progressive. All the ads try to convey promises about savings just by switching to them.

That’s great but how can every company give you a lower rate? It’s all in the numbers.

Insurance companies quote their cheapest rates for the type of driver that will be a good risk. A good example of a profitable customer might have to be between 25 and 40, carries full coverage, and has great credit. A customer who fits that profile will get a cheap rate quote and as a result will probably cut their rates if they switch.

Drivers who fall outside this stringent profile may receive higher rates and this can result in the customer not buying. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” save that much. That is how companies can truthfully lure you into getting a quote. Because each company has a different risk profile, it’s extremely important to get auto insurance quotes as often as possible. You cannot predict the company that will have the best car insurance rates for your profile.

Specifics of your insurance policy

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, vandalism and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your MINI Hardtop 2 Door.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

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 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like bail bonds, legal defense fees, loss of income, structural damage and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as prosthetic devices, dental work, EMT expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Hardtop 2 Door 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 coverage protects against claims such as colliding with a tree, backing into a parked car, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Summing up your auto insurance search

As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The aim is to find the BEST coverage at the best cost while still protecting your assets.

We just showed you some good ideas how you can compare 2017 MINI Hardtop 2 Door insurance premium rates online. The key thing to remember is the more times you quote, the better likelihood of getting affordable auto insurance. Consumers could even find that the best premium rates are with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

Cost effective 2017 MINI Hardtop 2 Door insurance is possible online and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not provide rate quotes online and usually these regional insurance providers prefer to sell through independent agents.

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