2018 MINI Countryman Car Insurance Quotes – 10 Savings Tips

Have you had enough of sacrificing other expenses to pay insurance each month? You are in the same boat as many other consumers.

Because there are so many options when it comes to insurance, it can be hard to choose the right insurance company.

It’s a good idea to compare prices before your policy renews since insurance rates change frequently. Just because you found the best deal on Countryman coverage six months ago you will most likely find a better price today. Block out anything you think you know about insurance because I’m going to teach you the fastest way to properly buy coverages and cut your premium.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Nevertheless, car owners must learn how the larger insurance companies market insurance on the web and use this information to your advantage.

Compare insurance rates

The are a couple different ways to get quotes from companies that offer insurance in your state. The fastest way to find competitive MINI Countryman insurance rates is to use the internet to compare rates. It’s really quite simple and can be done in several different ways.

  • One of the best ways to find the lowest comparison rates is a comparison rater form click to view form in new window. This form keeps you from doing multiple quote forms for each company. In just a few minutes this one form will get you price quotes from multiple low-cost companies.
  • Another way to find lower rates is going to the website of each company and repeat the quote process again and again. For example, let’s assume you want to compare Nationwide, Liberty Mutual and Allstate. To do that, you would have to go to each individual site and enter your policy data, which can get rather old.

    To view a list of companies in your area, click here.

  • The most difficult method to get comparison rates is going to insurance agencies in your area. Comparing online rate quotes has made agencies unnecessary unless your situation requires the extra assistance that can only be provided by a licensed insurance agent. You can, however, price shop online but buy from a local insurance agent.

It doesn’t matter which method you choose, just make darn sure you compare equivalent coverage information for each comparison quote. If you compare different data you will not be able to decipher which rate is best. Slightly different insurance coverages could throw off the whole comparison. And when comparing insurance rates, know that more quotes gives you a better chance of getting the best price. Some regional insurers cannot provide online quotes, so you also need to get prices from them, too.

You may qualify for discounts

Insuring your fleet can be pricey, but you may be missing some discounts that you may not even know about. Certain credits will be shown when you quote, but a few need to be inquired about in order for you to get them.

  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.
  • Own a Home and Save – Just being a homeowner can help you save on insurance coverage because owning a home shows financial diligence.
  • Auto/Life Discount – Insurance carriers who offer life insurance give a discount if you purchase life insurance.
  • Driving Data Discount – Policyholders that allow their insurance company to analyze where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if their driving habits are good.
  • Drive Safe and Save – Insureds without accidents can save up to 40% or more on their insurance quote on Countryman coverage compared to accident prone drivers.
  • Student Discounts – Getting good grades could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
  • Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Bundle and Save – If you have multiple policies and insure them with the same company you could earn a discount of 10% to 20% off each policy.
  • Active Military Service – Having an actively deployed family member may qualify for rate reductions.
  • Save over 55 – Drivers that qualify as senior citizens can possibly qualify for reduced rates on Countryman coverage.

One last thing about discounts, some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works. But any discount will cut your insurance coverage premiums.

A list of insurance coverage companies and their offered discounts are shown below.

  • Farm Bureau has discounts for multi-policy, renewal discount, safe driver, good student, driver training, youthful driver, and 55 and retired.
  • State Farm discounts include safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, student away at school, and multiple autos.
  • Progressive offers premium reductions for continuous coverage, multi-vehicle, online quote discount, homeowner, and multi-policy.
  • Allstate may offer discounts for passive restraint, safe driver, eSmart discount, premier plus, economy car, new car, and senior citizen.
  • Nationwide offers discounts for anti-theft, family plan, business or organization, easy pay, good student, defensive driving, and accident-free.
  • MetLife offers discounts including good driver, claim-free, good student, multi-policy, accident-free, and defensive driver.

Double check with each insurance company what discounts are available to you. Savings may not be available everywhere. If you would like to view providers that have a full spectrum of discounts, follow this link.

There’s no such thing as the perfect auto insurance policy

When buying coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

  • Why is insurance for a teen driver so high?
  • I have a DUI can I still get coverage?
  • When should I remove comp and collision on my 2018 MINI Countryman?
  • Is my babysitter covered when using my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What happens if I owe more than my 2018 MINI Countryman is worth?
  • Am I covered when driving in Canada or Mexico?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Having a good grasp of insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Liability

Liability coverage can cover damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like attorney fees, pain and suffering, legal defense fees, structural damage and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

Collision coverage covers damage to your Countryman caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, colliding with a tree, sideswiping another vehicle, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 2018 MINI Countryman.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses such as nursing services, prosthetic devices and hospital visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from getting keyed, fire damage, a broken windshield and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.